Credit Analysts
Business and Financial Operations
Reading credit files and financial statements is how you judge the risk of extending credit or making a loan. You generate ratios on a computer, then weigh income growth, management quality, and market share against similar firms in the same industry and area. Each loan request gets a written analysis and summary before it goes to a loan committee. Customers sometimes need help verifying transactions or resolving complaints. The role suits people who like comparing figures, writing a clear risk case, and deciding whether money should be lent.
Typical education: Bachelor’s Degree (4-year)
Annual Median Wage in Field (2025)
$83'510
Median Wage Market Position
$83'510
What you might do
- Judge lending risk from credit data and statements
- Calculate financial ratios to gauge a borrower's health
- Compare a firm's finances with similar businesses
- Prepare loan summaries for the approval committee
- Write reports on the risk of extending credit
- Talk with customers to settle credit disputes
Skills that matter
- Judging the risk of extending credit
- Reading financial statements and credit files
- Explaining credit findings to loan committees
- Calculating ratios that show financial health
- Writing summaries of loan requests
- Listening to customers about credit disputes
AI & the future of this role
Much of credit analysis involves screening statements, ratios, and risk scores that models can process quickly. Judgment on complex borrowers and relationship context may still matter, but routine lending assessments are likely to shrink.
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Includes O*NET® 30.3 Database information by USDOL/ETA under CC BY 4.0; modified by LostInCareer. Wage/outlook from BLS. Attribution details