Credit Analysts
O*NET 13-2041.00 · SOC 13-2041
Credit Analyst is a risky career choice. Median pay is $84k a year with -4.3% projected growth through 2035 (declining) and about 3,100 openings a year. AI exposure: Elevated.
Bureau of Labor Statistics projections 2025–2035 · Data updated 2026-07-27
What You'd Actually Do
- →Evaluate creditworthiness of loan applicants
- →Analyze financial statements
- →Prepare credit reports
- →Monitor existing loan portfolios
- →Recommend approval or denial decisions
Education & How to Get In
A bachelor's degree is the standard entry point for Credit Analyst roles. Related majors and internship experience during college significantly improve your chances. Many employers also value relevant certifications or project portfolios alongside the degree.
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Work Environment
Structured, offices, data centers, or remote
Independent, focused deep work with periodic team check-ins
A Day in the Life
While every role varies by employer and specialization, a typical day as a Credit Analyst involves a mix of core responsibilities:
Personality Fit (RIASEC)
Who Thrives as Credit Analyst?
Based on the interests and work style this role actually demands, these personality types tend to fit it best. Salary and growth tell you if a career is worth entering; personality fit tells you whether you'll still want it in five years.
Not sure which you are? Take the 7-minute quiz →
See Open Credit Analyst Roles
Browse live openings to get a feel for requirements and pay in your area.
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Job Outlook
Employment of Credit Analysts is projected to decline 4.3% from 2025 to 2035, declining for all occupations.
Will AI Replace This Job?
- ·56% routine cognitive tasks, high automation target
- ·Industry sector with high AI adoption trajectory
Scored from the mix of routine, creative, physical and social tasks the role involves, adjusted for sector and projected growth. An estimate, not a forecast.
Common Questions
How much does a Credit Analyst make?
The median Credit Analyst earns $84k a year, according to the Bureau of Labor Statistics' May 2025 wage data. Half earn more than that and half earn less, and pay varies considerably by state, industry and experience.
Will AI replace Credit Analyst jobs?
Our model puts Credit Analyst at 60 out of 100 for automation exposure, which is elevated disruption risk. The main drivers: 56% routine cognitive tasks, high automation target; industry sector with high AI adoption trajectory.
Is Credit Analyst a growing field?
Employment is projected to shrink 4.3% between 2025 and 2035, which is declining. That works out to roughly 3,100 openings a year, counting both new positions and people leaving the occupation.
What degree do you need to be a Credit Analyst?
A bachelor's degree is the standard entry point for Credit Analyst roles, and relevant internships matter as much as the subject.
How long does it take to become a Credit Analyst?
Typically about four years, typically a bachelor's degree. O*NET classes this role as Job Zone 4 of 5, which describes how much preparation people in it usually have.
Is a Credit Analyst career right for you?
Your personality, values, and strengths matter as much as the job market. Take the quiz to see your personalized Future-Fit Score for this career and hundreds more.
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