Credit negotiator vs commercial credit analyst

The differences between credit negotiators and commercial credit analysts 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 negotiator and a commercial credit analyst. Additionally, a credit negotiator has an average salary of $207,848, which is higher than the $66,482 average annual salary of a commercial credit analyst.

The top three skills for a credit negotiator include outbound calls, consumer debt and collection agencies. The most important skills for a commercial credit analyst are credit analysis, customer service, and strong analytical.

Credit negotiator vs commercial credit analyst overview

	Credit Negotiator	Commercial Credit Analyst
Yearly salary	$207,848	$66,482
Hourly rate	$99.93	$31.96
Growth rate	-	4%
Number of jobs	5,458	42,862
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 51%	Bachelor's Degree, 80%
Average age	39	39
Years of experience	2	2

Credit negotiator vs commercial credit analyst salary

Credit negotiators and commercial credit analysts have different pay scales, as shown below.

	Credit Negotiator	Commercial Credit Analyst
Average salary	$207,848	$66,482
Salary range	Between $100,000 And $431,000	Between $46,000 And $94,000
Highest paying City	-	Burlingame, CA
Highest paying state	-	California
Best paying company	-	HSBC Bank
Best paying industry	-	Automotive

Differences between credit negotiator and commercial credit analyst education

There are a few differences between a credit negotiator and a commercial credit analyst in terms of educational background:

	Credit Negotiator	Commercial Credit Analyst
Most common degree	Bachelor's Degree, 51%	Bachelor's Degree, 80%
Most common major	Business	Business
Most common college	University of Pennsylvania	University of Pennsylvania

Credit negotiator vs commercial credit analyst demographics

Here are the differences between credit negotiators' and commercial credit analysts' demographics:

	Credit Negotiator	Commercial Credit Analyst
Average age	39	39
Gender ratio	Male, 40.5% Female, 59.5%	Male, 61.6% Female, 38.4%
Race ratio	Black or African American, 8.4% Unknown, 2.7% Hispanic or Latino, 10.0% Asian, 8.6% White, 70.1% American Indian and Alaska Native, 0.3%	Black or African American, 7.9% Unknown, 2.7% Hispanic or Latino, 9.6% Asian, 10.5% White, 69.0% American Indian and Alaska Native, 0.3%
LGBT Percentage	11%	11%

Differences between credit negotiator and commercial credit analyst duties and responsibilities

Credit negotiator example responsibilities.

Manage accounting operations, accounting close, account reporting and reconciliations.
Represent company in arbitration settlement negotiations that result in an agreement to obtain governmental approval for the sale of the business.
Participate in structuring terms and reviewing legal documents for derivative transactions, letters of credit, and liquidity facilities.

Commercial credit analyst example responsibilities.

Manage and develop commercial lenders and administrative assistants.
Develop financial profiles, analyze company and customer financial data to improve portfolio strength.
Direct audit review resulting in the successful compliance of RESPA documentation.
Determine loan purpose use for RESPA compliance then recommend restitution when applicable.
Prepare accurate bids and proposals that conform to PPD contract requirements and meet client needs.
Serve as the departments' functional expert responsible for training fellow associates on the company's ERP system.

Credit negotiator vs commercial credit analyst skills

Common credit negotiator skills

Outbound Calls, 29%
Consumer Debt, 19%
Collection Agencies, 11%
Computer System, 11%
POA, 10%
Inbound Calls, 6%

Common commercial credit analyst skills

Credit Analysis, 8%
Customer Service, 7%
Strong Analytical, 6%
Real Estate, 5%
Financial Statements, 5%
Credit Worthiness, 4%

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Credit Negotiator
Credit Negotiator vs Commercial Credit Analyst

Updated January 8, 2025

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