Credit negotiator vs senior credit analyst

The differences between credit negotiators and senior 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 senior credit analyst. Additionally, a credit negotiator has an average salary of $207,848, which is higher than the $86,364 average annual salary of a senior credit analyst.

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

Credit negotiator vs senior credit analyst overview

	Credit Negotiator	Senior Credit Analyst
Yearly salary	$207,848	$86,364
Hourly rate	$99.93	$41.52
Growth rate	-	17%
Number of jobs	5,458	15,221
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 51%	Bachelor's Degree, 71%
Average age	39	39
Years of experience	2	2

Credit negotiator vs senior credit analyst salary

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

	Credit Negotiator	Senior Credit Analyst
Average salary	$207,848	$86,364
Salary range	Between $100,000 And $431,000	Between $59,000 And $125,000
Highest paying City	-	White Plains, NY
Highest paying state	-	New York
Best paying company	-	Apple
Best paying industry	-	Finance

Differences between credit negotiator and senior credit analyst education

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

	Credit Negotiator	Senior Credit Analyst
Most common degree	Bachelor's Degree, 51%	Bachelor's Degree, 71%
Most common major	Business	Business
Most common college	University of Pennsylvania	University of Pennsylvania

Credit negotiator vs senior credit analyst demographics

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

	Credit Negotiator	Senior Credit Analyst
Average age	39	39
Gender ratio	Male, 40.5% Female, 59.5%	Male, 54.6% Female, 45.4%
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, 8.3% Unknown, 2.7% Hispanic or Latino, 9.9% Asian, 10.0% White, 68.8% American Indian and Alaska Native, 0.3%
LGBT Percentage	11%	11%

Differences between credit negotiator and senior 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.

Senior credit analyst example responsibilities.

Supervise staff of 20-30 credit professionals managing an $80 - $100 million A/R portfolio consistently exceeding aging goals.
Partner with small and entrepreneurial business to develop business plans and assist business owners with achieving payroll.
Maintain customer master database in ERP.
Pull all back-up documentation for quarterly SOX compliance audit.
Ensure policies and procedures are follow in accordance with SOX guidelines.
Resolve and communicate insufficient check and ACH issues with customers and sales.

Credit negotiator vs senior 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 senior credit analyst skills

Credit Analysis, 6%
Customer Service, 6%
Real Estate, 6%
Risk Management, 4%
Credit Risk, 4%
Loan Portfolio, 4%

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Credit Negotiator
Credit Negotiator vs Senior Credit Analyst

Updated January 8, 2025

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