Credit Analyst
Explore employment trends, required job duties and skills for this
career. ASU offers a variety of degrees that can help you prepare
for and meet your career goals. Visit
ASU's Career and Professional
Development Services
to learn how to develop your career plan.
Potential job titles in this career
Credit Administrator,
Credit Analyst,
Credit and Collections Analyst,
Credit Officer,
Credit Representative,
Credit Risk Analyst,
Municipal Fixed Income Analyst
* Additional schooling, certification, or degrees maybe be required for some of the potential careers that are listed.
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
Generate financial ratios, using computer programs, to evaluate customers' financial status.
Prepare reports that include the degree of risk involved in extending credit or lending money.
Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
Consult with customers to resolve complaints and verify financial and credit transactions.
Contact customers to collect payments on delinquent accounts.
Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.
Review individual or commercial customer files to identify and select delinquent accounts for collection.
In this career, it is important to know
Economics and Accounting - Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.
English Language - Knowledge of the structure and content of the English language including the meaning and spelling of words, and rules of composition and grammar.
Mathematics - Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
Law and Government - Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
Administrative - Knowledge of administrative and office procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and workplace terminology.
Computers and Electronics - Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.
Customer and Personal Service - Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.
Administration and Management - Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.
Production and Processing - Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.
Education and Training - Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.
It's useful to be good at
Oral Expression - The ability to communicate information and ideas in speaking so others will understand.
Inductive Reasoning - The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).
Oral Comprehension - The ability to listen to and understand information and ideas presented through spoken words and sentences.
Written Comprehension - The ability to read and understand information and ideas presented in writing.
Deductive Reasoning - The ability to apply general rules to specific problems to produce answers that make sense.
Mathematical Reasoning - The ability to choose the right mathematical methods or formulas to solve a problem.
Number Facility - The ability to add, subtract, multiply, or divide quickly and correctly.
Problem Sensitivity - The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing that there is a problem.
Information Ordering - The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).
Near Vision - The ability to see details at close range (within a few feet of the observer).
| Location |
Pay period |
2025 |
| 10% |
25% |
Median% |
75% |
90% |
| United States |
Hourly |
$27.04
|
$31.35
|
$40.15
|
$58.88
|
$81.36
|
| Yearly |
$56,250
|
$65,210
|
$83,510
|
$122,460
|
$169,230
|
| Arizona |
Hourly |
$26.87
|
$30.71
|
$37.03
|
$45.79
|
$60.57
|
| Yearly |
$55,890
|
$63,870
|
$77,020
|
$95,240
|
$125,980
|
| 2025 Median% |
| United States |
$40.15
Hourly
|
$83,510
Yearly
|
| Arizona |
$37.03
Hourly
|
$77,020
Yearly
|
Employment (2024)
67,800
employees
Projected growth (2024 - 2034)
Decline (-2% or lower)
Projected job openings (2024 - 2034)
3,700
* Data obtained from the Occupational Information Network (O*NET) under sponsorship of the U.S. Department of Labor/Employment and Training Administration (USDOL/ETA).
Program term definitions
Accelerated programs allow students the opportunity to expedite
the completion of their degree.
Accelerated master's
These programs allow students to accelerate their studies to earn
a bachelor's plus a master's degree in as few as five years (for
some programs).
Each program has requirements students must meet to be eligible
for consideration. Students typically receive approval to pursue
the accelerated master's during the junior year of their
bachelor's degree program. Interested students can learn about
eligibility requirements and
how to apply.
Concurrent degrees allow students to pursue their own personal or
professional interests, earn two distinct degrees and receive two
diplomas. To add a concurrent degree to your existing degree, work
with your academic advisor.
Joint programs, or jointly conferred degrees, are offered by more
than one college and provide opportunities for students to take
advantage of the academic strengths of two academic units. Upon
graduation, students are awarded one degree and one diploma
conferred by two colleges.
ASU adds new programs to Degree Search frequently. Come back often
and look for the "New Programs" option.
Students from western states who select this major may be eligible for a
reduced nonresident tuition rate of 150 percent of Arizona resident tuition
plus all applicable fees. See more information and eligibility requirements on
the Western Undergraduate Exchange (WUE) program
Web site.
check up to 3 programs to see a side-by-side comparison
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A minor is an approved, coherent focus of academic study in a single
discipline, other than the student's major, involving substantially fewer
hours of credit than a corresponding major. Certain major and minor
combinations may be deemed inappropriate either by the college or department
of the major or minor.
This is only the first required math course. This program may contain
additional math courses; See Curriculum for details.
The level of intensity represents a measure of the number and academic rigor
of math courses required.
The level of intensity represents a measure of the number and academic rigor
of math courses required. Courses included in the General level: MAT 142
The level of intensity represents a measure of the number and academic rigor
of math courses required. Courses included in the Moderate level: MAT 117, MAT
119, MAT 170, MAT 210, SOS 101, CPI 200
The level of intensity represents a measure of the number and academic rigor
of math courses required. Courses included in the Substantial level: MAT 251,
MAT 265. MAT 266, MAT 267, MAT 270, MAT 271, MAT 272, MAT 274, MAT 275
Students pursuing concurrent degrees earn two distinct degrees and receive two
diplomas. ASU offers students two ways to earn concurrent degrees: by choosing
a predetermined combination or creating their own combination. Predetermined
combinations have a single admissions application and one easy to follow major
map. To add a concurrent degree to your existing degree, work with your
academic advisor. Either way, concurrent degrees allow students to pursue
their own personal or professional interests.
Concurrent degree programs are specially designed academic programs which
provide high-achieving undergraduate students the opportunity to complete two
distinct but complementary bachelor degrees at the same time. Students must
meet minimum admissions standards for both programs and be accepted
individually by both colleges offering the concurrent program.
Concurrent degree programs are specially designed academic programs which
provide high-achieving graduate students the opportunity to complete two
distinct but complementary graduate degrees at the same time. Students must
meet minimum admissions standards for both programs and be accepted
individually by both colleges offering the concurrent program.
Accelerated bachelor's plus master's degree programs are designed for
high-achieving undergraduate students who want the opportunity to share
undergraduate coursework with graduate coursework to accelerate completion of
their master's degree. These programs feature the same high-quality curriculum
taught by ASU's world-renowned faculty.
Accelerated bachelor's plus master's degree programs are designed for
high-achieving undergraduate students who want the opportunity to share
undergraduate coursework with graduate coursework to accelerate completion of
their master's degree. These programs feature the same high-quality curriculum
taught by ASU's world-renowned faculty.
A rolling deadline means that applications will continue to be reviewed on a
regular basis until the semester begins. International students should be
mindful of visa deadlines to ensure there is time to produce necessary visa
documents. Applicants are encouraged to complete and submit application
materials as soon as possible for consideration.
A final deadline means that all applications and application materials must be
received by Graduate Admissions by the deadline date. Applications that are
incomplete may not be considered after the final deadline. Applications that
are submitted past the final deadline may not be considered.
A priority deadline means that applications submitted and completed before the
priority deadline will receive priority consideration. Applications submitted
after the priority deadlines will be reviewed in the order in which they were
completed and on a space available basis. An application is complete after all
materials are received by Graduate Admissions.
The 24-Month STEM OPT Extension is an additional benefit from United States
Citizenship and Immigration Services that allows international students in F-1
status who receive a bachelor’s, master’s, or doctoral degree in an approved
STEM field to apply for a 24-month extension of their standard 12-month
Post-OPT period, twice in a lifetime. This allows international students the
opportunity to gain additional off-campus work experience in their field of
study after completion of course studies and Post-OPT. The OPT extension does
not apply to students completing a degree through ASU Online.
