Credit assessment analyst vs credit representative

The differences between credit assessment analysts and credit representatives can be seen in a few details. Each job has different responsibilities and duties. It typically takes 1-2 years to become both a credit assessment analyst and a credit representative. Additionally, a credit assessment analyst has an average salary of $93,073, which is higher than the $39,268 average annual salary of a credit representative.

The top three skills for a credit assessment analyst include financial statements, and . The most important skills for a credit representative are customer service, customer accounts, and patients.

Credit assessment analyst vs credit representative overview

	Credit Assessment Analyst	Credit Representative
Yearly salary	$93,073	$39,268
Hourly rate	$44.75	$18.88
Growth rate	-	-8%
Number of jobs	6,650	73,520
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 76%	Bachelor's Degree, 47%
Average age	39	39
Years of experience	2	2

Credit assessment analyst vs credit representative salary

Credit assessment analysts and credit representatives have different pay scales, as shown below.

	Credit Assessment Analyst	Credit Representative
Average salary	$93,073	$39,268
Salary range	Between $51,000 And $168,000	Between $28,000 And $54,000
Highest paying City	-	White Plains, NY
Highest paying state	-	New York
Best paying company	-	Systemax
Best paying industry	-	Construction

Differences between credit assessment analyst and credit representative education

There are a few differences between a credit assessment analyst and a credit representative in terms of educational background:

	Credit Assessment Analyst	Credit Representative
Most common degree	Bachelor's Degree, 76%	Bachelor's Degree, 47%
Most common major	Business	Business
Most common college	San Diego State University	University of Pennsylvania

Credit assessment analyst vs credit representative demographics

Here are the differences between credit assessment analysts' and credit representatives' demographics:

	Credit Assessment Analyst	Credit Representative
Average age	39	39
Gender ratio	Male, 63.2% Female, 36.8%	Male, 29.5% Female, 70.5%
Race ratio	Black or African American, 4.8% Unknown, 2.4% Hispanic or Latino, 7.4% Asian, 8.2% White, 76.9% American Indian and Alaska Native, 0.3%	Black or African American, 8.3% Unknown, 2.7% Hispanic or Latino, 10.0% Asian, 7.8% White, 71.0% American Indian and Alaska Native, 0.3%
LGBT Percentage	11%	11%

Differences between credit assessment analyst and credit representative duties and responsibilities

Credit assessment analyst example responsibilities.

Utilize data manipulation and quantitative analysis using VBA macros, SQL and advance excel knowledge to manage credit risk exposure.
Reduce risk associate with mortgage-backed securities by providing quality assurance on the servicing and cash-flow reporting of all parties involve.
Reduce risk associate with mortgage-backed securities by providing quality assurance on the servicing and cash-flow reporting of all parties involve.

Credit representative example responsibilities.

Manage portfolio utilizing AS400 and GetPaid systems.
Manage all credit files and process credit reports from various credit reporting sources including TRW and Dunn & Bradstreet.
Manage customer relations with internal personnel, group administrators, brokers and members as related to Medicare insurance.
Apply customer credit card and ACH payments.
Perform the posting of checks refunds and credit cards into the AS400 database.
Collect invoices through wire payment, ACH payments, and overnight mail options.

Credit assessment analyst vs credit representative skills

Common credit assessment analyst skills

Financial Statements, 100%

Common credit representative skills

Customer Service, 22%
Customer Accounts, 6%
Patients, 5%
Credit Card Payments, 4%
Credit Balances, 4%
Payment Arrangements, 4%

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Credit Assessment Analyst
Credit Assessment Analyst vs Credit Representative

Updated January 8, 2025

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