Career Attributes

  • $66,008
  • 73,800
  • 2.6
  • 8.3%
  • Bachelor's degree
  • Finance
More Attributes


At the very minimum, a career as a credit analyst requires a four-year degree in finance, but related business bachelor degrees may work as well. As alluded to previously, the scale of a credit analyst's work environment determines the amount of education required. The best colleges in North America for a career as a credit analyst include the University of Pennsylvania, the University of Chicago, and New York University.

Credit analysts are stratified further into buy-side and sell-side analysts. The job requirements of a buy-side credit analyst are much more complex than college graduates may realize. For instance, it is not uncommon for buy-side credit analysts to work with institutional investors such as hedge fund managers and global non-profit organizations. The sheer scope of these institutions means their credit analysts require at the very least an advanced degree along with many years of hands-on experience in the finance industry.

The ability to analyze mathematical information objectively is the most important quality a credit analyst can possess. Financial analysis is an inexact science. The day-to-day and even hour-to-hour fluctuations in financial markets can change the outcome of even the most thorough analysis. High-level organizational skills allow credit analysts to cope with these swings in the market.

From a sell-side perspective, credit analysts assist companies and investors in the sale of financial instruments by making immediate, on-the-spot recommendations. The ability to multi-task is a crucial quality sell-side credit analysts must possess in order to have a lucrative, successful career.

What are Credit Analysts like?


Based on our pool of users, Credit Analysts tend to be predominately enterprising people. Take our career test to see what career interest category best describes you.

Credit Analysts by Strongest Interest Archetype

Based on sample of 624 CareerExplorer users

Are Credit Analysts happy?


Credit Analysts rank among the least happy careers. Overall they rank in the 8th percentile of careers for satisfaction scores.

Credit Analyst Career Satisfaction by Dimension

Percentile among all careers

Education History of Credit Analysts

The most common degree held by Credit Analysts is Finance. 27% of Credit Analysts had a degree in Finance before becoming Credit Analysts. That is over 13 times the average across all careers. Business Management And Administration graduates are the second most common among Credit Analysts, representing 23% of Credit Analysts in the CareerExplorer user base, which is 3.5 times the average.

Credit Analyst Education History

This table shows which degrees people earn before becoming a Credit Analyst, compared to how often those degrees are obtained by people who earn at least one post secondary degree.

Degree % of Credit Analysts % of population Multiple
Finance 27.1% 2.1% 13.0×
Business Management And Administration 22.9% 6.5% 3.5×
Economics 19.7% 4.0% 4.9×
Accounting 8.4% 1.9% 4.5×
Business 4.8% 2.6% 1.9×
International Business 3.9% 1.0% 3.8×
Mathematics 3.5% 1.9% 1.9×
Business Economics 3.2% 0.8% 4.1×
Marketing And Marketing Research 3.2% 2.2% 1.5×
International Relations 3.2% 1.5% 2.1×
Political Science 2.9% 2.9% 1.0×
English Literature 2.6% 4.9% 0.5×
Applied Mathematics 2.3% 0.4% 6.4×
Foreign Language Studies 2.3% 1.3% 1.7×
Psychology 2.3% 7.1% 0.3×
Communications 1.9% 3.4% 0.6×
Statistics And Decision Science 1.6% 0.3% 4.8×
Drama 1.3% 1.0% 1.2×
Human Resources 1.3% 1.0% 1.3×
History 1.3% 2.3% 0.6×
Sociology 1.3% 2.1% 0.6×

Credit Analyst Education Levels

53% of Credit Analysts have a bachelor's degree. 33% of Credit Analysts have an associate's degree.

No education 0%
High school diploma 7%
Associate's degree 33%
Bachelor's degree 53%
Master's degree 0%
Doctorate degree 0%

How to Become a Credit Analyst

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Career Attributes

  • $66,008
  • 73,800
  • 2.6
  • 8.3%
  • Bachelor's degree
  • Finance
More Attributes