Investigative analyst vs credit representative

The differences between investigative analysts and credit representatives 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 credit representative takes usually requires 1-2 years. Additionally, an investigative analyst has an average salary of $125,975, which is higher than the $39,268 average annual salary of a credit representative.

The top three skills for an investigative analyst include criminal justice, external stakeholders and anti-money laundering. The most important skills for a credit representative are customer service, customer accounts, and patients.

Investigative analyst vs credit representative overview

	Investigative Analyst	Credit Representative
Yearly salary	$125,975	$39,268
Hourly rate	$60.56	$18.88
Growth rate	3%	-8%
Number of jobs	28,703	73,520
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 67%	Bachelor's Degree, 47%
Average age	44	39
Years of experience	4	2

What does an investigative analyst do?

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.

What does a credit representative do?

Credit representatives are professionals who analyze the credit data and the financial statements of firms or individuals for the determination of the risk in lending money or extending credit. The representatives are tasked to prepare reports with credit information used in decision making. They manage credit files and process credit reports from different credit reporting sources. They also mentor and coach credit representatives newly hired in corporate procedures and policies. Also, they expand collection procedures and policies to lessen DSO parameter risk.

Investigative analyst vs credit representative salary

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

	Investigative Analyst	Credit Representative
Average salary	$125,975	$39,268
Salary range	Between $102,000 And $154,000	Between $28,000 And $54,000
Highest paying City	Washington, DC	White Plains, NY
Highest paying state	Montana	New York
Best paying company	Meta	Systemax
Best paying industry	Professional	Construction

Differences between investigative analyst and credit representative education

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

	Investigative Analyst	Credit Representative
Most common degree	Bachelor's Degree, 67%	Bachelor's Degree, 47%
Most common major	Criminal Justice	Business
Most common college	SUNY at Binghamton	University of Pennsylvania

Investigative analyst vs credit representative demographics

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

	Investigative Analyst	Credit Representative
Average age	44	39
Gender ratio	Male, 44.9% Female, 55.1%	Male, 29.5% Female, 70.5%
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, 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	9%	11%

Differences between investigative analyst and credit representative duties and responsibilities

Investigative analyst example responsibilities.

Manage a team responsible for an audit and complete overhaul of a lab after finding several critical HIPAA violations.
Manage reporting, investigating identity thefts, identifying account take over and AML, conducting compliance audits and account closures as needed
Manage the Medicaid provider exclusion and reinstatement monitoring and reporting activities to meet customer expectations and government requirements.
Provide QA oversight of corrective and preventive actions by reviewing and entering data into the CAPA system.
Increase focus on data privacy and breaches, HIPAA compliance, third-party due diligence and export controls.
Review ACH, wires and activity on accounts for suspicious activity.

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.

Investigative analyst vs credit representative skills

Common investigative analyst skills

Criminal Justice, 7%
External Stakeholders, 7%
Anti-Money Laundering, 7%
Identify Trends, 7%
Management System, 6%
Law Enforcement Agencies, 4%

Common credit representative skills

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

Investigative Analyst vs. similar jobs

Investigative Analyst related careers

Investigative Analyst related jobs

What similar roles do

Zippia Careers
Protective Service Industry
Investigative Analyst
Investigative Analyst vs Credit Representative

Updated January 8, 2025

Browse protective service jobs