Your work. Your records.
Credit Analyst Workplace Records Guide
Credit analysts assess information and prepare recommendations that others may approve or override. If a workplace concern involves a loan outcome, distinguish the data available during your analysis from later events and the decision made by the approval authority.
Call now(800) 800-5555Free initial case evaluation. Representation depends on work state and case eligibility. This guide explains record preparation; it does not determine whether a legal claim exists.
A record map for your role
What to organize first
Input timing
Record when required information became available compared with the assigned review deadline.
Review request
Note who requested a revision and whether additional information accompanied it.
Decision authority
List which recommendation or approval responsibilities belonged to you and which belonged to others.
Start with the work you actually do
Analyze credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money. Prepare reports with credit information for use in decisionmaking.
O*NET classifies this occupation as Credit Analysts (13-2041.00). Its description covers a typical occupation, not every workplace or individual job. It does not establish employee status, overtime eligibility or employer misconduct.
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.Source task 1250 · updated 08/2020
- Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.Source task 1254 · updated 08/2020
- Generate financial ratios, using computer programs, to evaluate customers' financial status.Source task 1255 · updated 08/2020
- Prepare reports that include the degree of risk involved in extending credit or lending money.Source task 1251 · updated 08/2020
A reference point for your pay records
May 2025 wage estimates by state
Compare your pay records with published BLS estimates for Credit Analysts (SOC 13-2041). These describe an occupation across employers. They are not a required pay rate, an overtime calculation, or evidence of discrimination or unpaid wages.
Select your work state to see its published pay range. No personal pay information is requested or sent.
The 25th and 75th percentiles mark the middle half of the estimated wage distribution; the median is its midpoint. Actual pay can differ with experience, employer, location and duties. Hourly and annual figures are shown as published, without converting one into the other.
All published state estimates for this occupation
| State | Hourly 25th | Hourly median | Hourly 75th | Annual median |
|---|---|---|---|---|
| Alabama | $30.74 | $38.45 | $53.33 | $79,970 |
| Alaska | $28.59 | $39.11 | $39.11 | $81,340 |
| Arizona | $30.71 | $37.03 | $45.79 | $77,020 |
| Arkansas | $25.16 | $34.31 | $45.93 | $71,370 |
| Connecticut | $36.81 | $47.23 | $58.91 | $98,230 |
| Delaware | $38.11 | $45.52 | $56.35 | $94,680 |
| Florida | $30.03 | $37.67 | $46.88 | $78,360 |
| Georgia | $30.00 | $37.50 | $48.33 | $77,990 |
| Hawaii | $30.12 | $47.55 | $71.56 | $98,900 |
| Idaho | $31.10 | $38.29 | $45.77 | $79,650 |
| Indiana | $26.64 | $30.12 | $37.58 | $62,660 |
| Iowa | $31.19 | $36.90 | $40.87 | $76,760 |
| Kansas | $28.86 | $35.15 | $46.92 | $73,120 |
| Kentucky | $30.65 | $38.12 | $49.01 | $79,290 |
| Louisiana | $26.14 | $35.20 | $47.78 | $73,210 |
| Maine | $30.99 | $39.30 | $46.35 | $81,750 |
| Michigan | $29.58 | $35.89 | $39.45 | $74,640 |
| Minnesota | $35.14 | $39.73 | $49.05 | $82,630 |
| Mississippi | $28.73 | $36.00 | $50.83 | $74,880 |
| Missouri | $29.04 | $31.42 | $40.26 | $65,350 |
| Montana | $30.97 | $35.89 | $40.32 | $74,650 |
| Nebraska | $30.79 | $38.33 | $47.45 | $79,730 |
| New Hampshire | $31.46 | $37.49 | $53.41 | $77,980 |
| New Mexico | $28.65 | $34.69 | $42.74 | $72,160 |
| New York | $47.70 | $64.07 | $97.30 | $133,270 |
| North Carolina | $36.56 | $45.46 | $59.74 | $94,570 |
| North Dakota | $28.58 | $35.96 | $45.45 | $74,810 |
| Ohio | $30.00 | $38.33 | $49.01 | $79,720 |
| Oklahoma | $27.68 | $36.22 | $47.11 | $75,330 |
| Pennsylvania | $29.81 | $38.59 | $49.62 | $80,280 |
| Rhode Island | $34.03 | $41.31 | $50.15 | $85,920 |
| South Dakota | $28.22 | $35.11 | $46.54 | $73,040 |
| Tennessee | $27.75 | $34.88 | $44.08 | $72,550 |
| Texas | $29.29 | $37.85 | $48.60 | $78,730 |
| Utah | $28.74 | $35.78 | $46.36 | $74,430 |
| Vermont | $29.10 | $34.24 | $57.92 | $71,220 |
| Virginia | $39.10 | $49.25 | $67.54 | $102,430 |
| West Virginia | $24.40 | $27.56 | $35.20 | $57,320 |
| Wisconsin | $28.21 | $33.02 | $42.44 | $68,690 |
| Wyoming | $24.42 | $29.91 | $36.47 | $62,210 |
“Not published” preserves unavailable or suppressed source cells. “Above reporting limit” preserves a top-coded source value without inventing a number. A missing state estimate does not establish service eligibility. The data describe wage and salary employment; they do not measure self-employment income.
Source: BLS May 2025 state workbook · OEWS tables · BLS technical notes. Use your own schedule, pay statement and compensation terms to identify the question you want reviewed.
Identify the analysis inputs
Record the assignment date, required review scope and any missing information you reported. Note whether statements or assumptions changed before your recommendation was completed. Do not recreate borrower financial details in personal employment notes.
Separate recommendation and approval
Describe the conclusion you submitted in general terms and who reviewed it. Record requested revisions and whether they reflected new information or a changed risk preference. Keep the committee's final decision separate from your analytical role.
Protect borrower confidentiality
Do not export applications, credit reports, financial statements or account-level models. Use permitted employment correspondence and your own workload records. Identify the official file custodian and relevant date range for authorized review.
Choose your next step
Review the workplace retaliation guide, unpaid wages guide, or discrimination guide if those concerns fit your experience. A job title alone does not establish a claim.
Call now(800) 800-5555Current service-state coverage
AK, AL, AR, AZ, CT, DE, FL, GA, HI, IA, ID, IN, KS, KY, LA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NY, OH, OK, PA, RI, SD, TN, TX, UT, VA, VT, WI, WV, WY. Eligibility is evaluated individually; this list does not promise representation.
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