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The differences between senior treasury analysts and 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 a senior treasury analyst, becoming a credit analyst takes usually requires 1-2 years. Additionally, a senior treasury analyst has an average salary of $81,939, which is higher than the $61,422 average annual salary of a credit analyst.
The top three skills for a senior treasury analyst include cash management, treasury and risk management. The most important skills for a credit analyst are customer service, credit analysis, and customer accounts.
| Senior Treasury Analyst | Credit Analyst | |
| Yearly salary | $81,939 | $61,422 |
| Hourly rate | $39.39 | $29.53 |
| Growth rate | 9% | -5% |
| Number of jobs | 54,345 | 16,406 |
| Job satisfaction | - | - |
| Most common degree | Bachelor's Degree, 74% | Bachelor's Degree, 65% |
| Average age | 40 | 39 |
| Years of experience | 4 | 2 |
A senior treasury analyst is responsible for the cash assets of the company. This person ensures all cash are coursed through to intended recipients, and expenses are well-documented and appropriately liquidated. The treasury analyst also monitors all projects' daily expenditures, document invoices, cash releases, investments, liabilities, operational costs, and other cash-related activities inside the company. The senior treasury analyst leads the team under this treasury department and offers suggestions and solutions to treasury issues and problems.
A credit analyst's role is to assess and determine a client's capacity to uphold financial obligations when applying for loans or credit programs. Working for creditors like banks and lending firms, a credit analyst must interpret and analyze financial data and personal records, identify inconsistencies and risks, and verify necessary documentation in support of loan committees. Furthermore, a credit analyst must also perform administrative tasks such as preparing reports and applications, fulfilling document requests, reaching out to clients, and coordinating with colleagues to assure accuracy in all operations.
Senior treasury analysts and credit analysts have different pay scales, as shown below.
| Senior Treasury Analyst | Credit Analyst | |
| Average salary | $81,939 | $61,422 |
| Salary range | Between $60,000 And $111,000 | Between $40,000 And $93,000 |
| Highest paying City | San Francisco, CA | New York, NY |
| Highest paying state | California | New York |
| Best paying company | Apollo Global Management | |
| Best paying industry | Automotive | Finance |
There are a few differences between a senior treasury analyst and a credit analyst in terms of educational background:
| Senior Treasury Analyst | Credit Analyst | |
| Most common degree | Bachelor's Degree, 74% | Bachelor's Degree, 65% |
| Most common major | Finance | Business |
| Most common college | University of Pennsylvania | University of Pennsylvania |
Here are the differences between senior treasury analysts' and credit analysts' demographics:
| Senior Treasury Analyst | Credit Analyst | |
| Average age | 40 | 39 |
| Gender ratio | Male, 56.6% Female, 43.4% | Male, 44.2% Female, 55.8% |
| Race ratio | Black or African American, 5.6% Unknown, 4.5% Hispanic or Latino, 7.7% Asian, 14.1% White, 68.0% American Indian and Alaska Native, 0.1% | Black or African American, 7.7% Unknown, 2.6% Hispanic or Latino, 9.5% Asian, 10.5% White, 69.4% American Indian and Alaska Native, 0.3% |
| LGBT Percentage | 7% | 11% |