2025 median annual pay
$103,570
Median for the whole occupation, across all experience levels. It is not specific to a level or to Brazil.
Career in 2026 and 2027
Credit Risk Analyst
A credit risk analyst decides how much risk a lender takes when it extends credit, and at what price and conditions. The work runs from reading a single borrower's financials to modeling, provisioning and stress testing a whole portfolio.
Content reviewed on October 20, 2026
- Levels
- 4
- Skills mapped at Mid-level
- 7
What each level must prove
Mid-level
Accountable for recommending and structuring credit for a client end to end, including its rating and terms.
You now own the recommendation, not just the analysis: which product fits the borrower, what rating it gets, and which terms and covenants protect the bank. You begin working with the scorecards behind the rating. Compared with junior, the output is a decision proposal rather than a prepared file.
Average score required: 67%
Credit Products & Structures
Why: Lets you steer a client who asks for a revolving line toward a term loan or trade finance when the need is a one-off asset or import purchase.
Financial Spreading
Why: At this level you spread statements of unfamiliar sectors and reconcile conflicting versions, so the analysis you hand to the committee stands on normalized numbers.
Cash Flow Analysis for Credit
Why: Lets you size debt service against projected cash flow and defend how much a borrower can take on when the client argues for a larger limit.
Internal Rating Systems
Why: Lets you assign and justify an obligor rating, and argue for an override when the scale places a borrower in a grade that does not match what you see.
Probability of Default Modeling
Why: Lets you read a scorecard's output and its validation results well enough to know when a score should be trusted for a new borrower segment.
Term Sheet Design
Why: Lets you propose pricing, tenor and security together, so a facility's amortization matches the cash flow that will repay it.
Covenant Design & Monitoring
Why: Lets you set covenant levels with enough headroom to avoid false breaches, yet tight enough to trigger a conversation before the borrower deteriorates.
Study for Credit Risk Analyst: trails and practice exams
Each level of this career maps to a study trail. Read the full topic map for free, then measure your level.
Market snapshot (United States)
Projected job growth, 2025–2035
+7%
Much faster than average
Closest US occupation: Financial Analysts. US Bureau of Labor Statistics, Occupational Outlook Handbook, updated August 27, 2026
Two ways to move up one level
12 weeks · intensive
For whoever has a deadline
About 8 hours a week, in 1 cycle focused on the gaps that weigh most.
40 weeks · regular
Alongside work
About 4 hours a week, in 3 cycles. Each cycle carries what was left from the previous one.
Frequently asked questions
What is Credit Risk Analyst?
A credit risk analyst decides how much risk a lender takes when it extends credit, and at what price and conditions. The work runs from reading a single borrower's financials to modeling, provisioning and stress testing a whole portfolio.
What must each level of Credit Risk Analyst prove?
Credit Risk Analyst is mapped in 4 levels: Junior, Mid-level, Senior, and Expert. Open each level above to see the skills it must prove.
How long does the Credit Risk Analyst plan take?
The plan has 2 paces: 12 weeks per level at about 8 hours a week (intensive) and 40 weeks per level at about 4 hours a week (regular).
How the plan works
AI tutor
A study session on each new topic, at your level.
AI school
Hands-on lessons on using AI in your career's daily work.
Assessments
Each requirement is proven by measurement, not by a checkbox.
Stage review
At the end of each cycle you see what moved and what carries over.
Find out which level you are at
A short diagnostic measures the skills you already have. The journey starts from there.