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The differences between 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 treasury analyst, becoming a credit analyst takes usually requires 1-2 years. Additionally, a treasury analyst has an average salary of $72,667, which is higher than the $61,422 average annual salary of a credit analyst.
The top three skills for a treasury analyst include treasury, cash management and ACH. The most important skills for a credit analyst are customer service, credit analysis, and customer accounts.
| Treasury Analyst | Credit Analyst | |
| Yearly salary | $72,667 | $61,422 |
| Hourly rate | $34.94 | $29.53 |
| Growth rate | 9% | -5% |
| Number of jobs | 50,817 | 16,406 |
| Job satisfaction | - | - |
| Most common degree | Bachelor's Degree, 76% | Bachelor's Degree, 65% |
| Average age | 40 | 39 |
| Years of experience | 4 | 2 |
A treasury analyst is an individual who manages and analyses the financial activities of an organization that can include cash flows, liability obligations, and assets. Treasury analysts are required to execute the daily cash management of the organization such as cash forecasting, investing of excess cash, and running a hedging program in interest rates. They must present monthly reports and daily briefings on cash flows to senior management and provide advice on the financial operations of the movement of cash. Treasury analysts also update treasury policies and procedures for the organization to comply.
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.
Treasury analysts and credit analysts have different pay scales, as shown below.
| Treasury Analyst | Credit Analyst | |
| Average salary | $72,667 | $61,422 |
| Salary range | Between $52,000 And $100,000 | 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 treasury analyst and a credit analyst in terms of educational background:
| Treasury Analyst | Credit Analyst | |
| Most common degree | Bachelor's Degree, 76% | Bachelor's Degree, 65% |
| Most common major | Business | Business |
| Most common college | University of Pennsylvania | University of Pennsylvania |
Here are the differences between treasury analysts' and credit analysts' demographics:
| Treasury Analyst | Credit Analyst | |
| Average age | 40 | 39 |
| Gender ratio | Male, 51.1% Female, 48.9% | 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% |