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The differences between investigative analysts and commercial credit analysts can be seen in a few details. Each job has different responsibilities and duties. While it typically takes 2-4 years to become an investigative analyst, becoming a commercial credit analyst takes usually requires 1-2 years. Additionally, an investigative analyst has an average salary of $125,975, which is higher than the $66,482 average annual salary of a commercial credit analyst.
The top three skills for an investigative analyst include criminal justice, external stakeholders and anti-money laundering. The most important skills for a commercial credit analyst are credit analysis, customer service, and strong analytical.
| Investigative Analyst | Commercial Credit Analyst | |
| Yearly salary | $125,975 | $66,482 |
| Hourly rate | $60.56 | $31.96 |
| Growth rate | 3% | 4% |
| Number of jobs | 28,703 | 42,862 |
| Job satisfaction | - | - |
| Most common degree | Bachelor's Degree, 67% | Bachelor's Degree, 80% |
| Average age | 44 | 39 |
| Years of experience | 4 | 2 |
An investigative analyst is responsible for handling and resolving suspicious activities that pose risks for an organization's reputation and stability. Investigative analysts review incident reports, such as fraud and other law violations, strategizing on effective ways to minimize losses and prevent misconduct reoccurrence. They collect evidence, including documents and interviews, to support their claims and record their findings. An investigative analyst must be highly communicative and organizational, as well as the ability to keep and secure confidential information until further notice.
A commercial credit analyst is primarily in charge of assessing a client's credit or loan application, ensuring that they are fit to uphold financial obligations. Their responsibilities typically revolve around coordinating different departments to gather necessary client data, reviewing financial histories, verifying the authenticity of requirements, and developing financial profiles. Moreover, a commercial credit analyst may perform research and analysis to identify new business opportunities, produce progress and sales reports, monitor the payment progress of clients, and maintain a record of all transactions.
Investigative analysts and commercial credit analysts have different pay scales, as shown below.
| Investigative Analyst | Commercial Credit Analyst | |
| Average salary | $125,975 | $66,482 |
| Salary range | Between $102,000 And $154,000 | Between $46,000 And $94,000 |
| Highest paying City | Washington, DC | Burlingame, CA |
| Highest paying state | Montana | California |
| Best paying company | Meta | HSBC Bank |
| Best paying industry | Professional | Automotive |
There are a few differences between an investigative analyst and a commercial credit analyst in terms of educational background:
| Investigative Analyst | Commercial Credit Analyst | |
| Most common degree | Bachelor's Degree, 67% | Bachelor's Degree, 80% |
| Most common major | Criminal Justice | Business |
| Most common college | SUNY at Binghamton | University of Pennsylvania |
Here are the differences between investigative analysts' and commercial credit analysts' demographics:
| Investigative Analyst | Commercial Credit Analyst | |
| Average age | 44 | 39 |
| Gender ratio | Male, 44.9% Female, 55.1% | Male, 61.6% Female, 38.4% |
| Race ratio | Black or African American, 11.9% Unknown, 5.0% Hispanic or Latino, 16.9% Asian, 2.8% White, 62.7% American Indian and Alaska Native, 0.7% | 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 | 9% | 11% |