Credit risk analyst vs credit negotiator

The differences between credit risk analysts and credit negotiators 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 risk analyst and a credit negotiator. Additionally, a credit negotiator has an average salary of $207,848, which is higher than the $85,376 average annual salary of a credit risk analyst.

The top three skills for a credit risk analyst include risk management, SAS and SQL. The most important skills for a credit negotiator are outbound calls, consumer debt, and collection agencies.

Credit risk analyst vs credit negotiator overview

	Credit Risk Analyst	Credit Negotiator
Yearly salary	$85,376	$207,848
Hourly rate	$41.05	$99.93
Growth rate	11%	-
Number of jobs	32,578	5,458
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 70%	Bachelor's Degree, 51%
Average age	39	39
Years of experience	2	2

Credit risk analyst vs credit negotiator salary

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

	Credit Risk Analyst	Credit Negotiator
Average salary	$85,376	$207,848
Salary range	Between $62,000 And $116,000	Between $100,000 And $431,000
Highest paying City	New York, NY	-
Highest paying state	New York	-
Best paying company	Western Alliance Bank	-
Best paying industry	Government	-

Differences between credit risk analyst and credit negotiator education

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

	Credit Risk Analyst	Credit Negotiator
Most common degree	Bachelor's Degree, 70%	Bachelor's Degree, 51%
Most common major	Finance	Business
Most common college	University of Pennsylvania	University of Pennsylvania

Credit risk analyst vs credit negotiator demographics

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

	Credit Risk Analyst	Credit Negotiator
Average age	39	39
Gender ratio	Male, 56.4% Female, 43.6%	Male, 40.5% Female, 59.5%
Race ratio	Black or African American, 7.6% Unknown, 2.6% Hispanic or Latino, 9.5% Asian, 10.5% White, 69.4% American Indian and Alaska Native, 0.3%	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%
LGBT Percentage	11%	11%

Differences between credit risk analyst and credit negotiator duties and responsibilities

Credit risk analyst example responsibilities.

Utilize data manipulation and quantitative analysis using VBA macros, SQL and advance excel knowledge to manage credit risk exposure.
Design and build portfolio management dashboard for senior management monthly credit strategy meetings using SAS.
Contribute significantly to credit portfolio analytics through integration of top-down macro risks with idiosyncratic issuer risks.
Perform monthly/quarterly operational functions supporting the SAS ETL processing to generate client profitability and performance measurement results.
Partner with municipal derivative marketing and trading risk associates to ensure seamless assimilation of individual trade characteristics.
Initiate behavior scorecard model for business strategy collection process by fitting logistic regression to longitudinal delinquency history data.

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.

Credit risk analyst vs credit negotiator skills

Common credit risk analyst skills

Risk Management, 14%
SAS, 9%
SQL, 9%
Strong Analytical, 5%
PowerPoint, 4%
Data Analysis, 4%

Common credit negotiator skills

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

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Credit Risk Analyst
Credit Risk Analyst vs Credit Negotiator

Updated January 8, 2025

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