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- Credit rating salary
Credit rating salary
Latest available salary statistics are for 2025. Compare average pay, salary range and related job listings.
42 000 - 58 800 SEK / month
Women earn 87% of what men do.
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Salary progression Credit rating
What does a credit analyst do? – Tasks and work environment
A credit analyst in the banking sector is responsible for analyzing and assessing the creditworthiness of individuals and companies before loan decisions. This involves collecting and evaluating financial data, interpreting credit reports, and weighing risks against opportunities for the lender. Common tasks include customer contact, reviewing financial documents, consulting with advisors, and preparing decision materials. Credit analysts often work in teams but are independently responsible for their own portfolios or cases. The work environment is typically office-based, characterized by a fast pace, deadlines, and demands for accuracy and confidentiality.
Salary development over time
The salary for credit analysts has developed steadily in recent years. In 2022, the average salary was 42,500 SEK per month, which increased to 47 400 SEK in 2023. During 2024, the average salary has risen further to 47 400 SEK, corresponding to an increase of approximately 11.5% over a three-year period. This salary improvement reflects both increased demand for qualified credit assessment and the growing complexity of tasks due to digitalization and regulatory requirements. The market's need for risk analysis and good credit judgment has driven up skill requirements, positively impacting salary levels. The trend indicates continued stable and competitive salary growth for the profession.
Credit analyst salary – complete overview
- Average salary: 47 400 SEK/month
- Lowest salary: 40,700 SEK/month (female, private sector, education shorter than 3 years)
- Highest salary: 59,900 SEK/month (male, private sector, education 3 years or more)
- Hourly wage: 285 SEK
- Women: 44 700 SEK/month (87% of men's salary)
- Men: 51 300 SEK/month
- Regional differences: Salary variations may occur depending on location and city size, but exact figures are not available.
Education and qualifications
The path to becoming a credit analyst usually involves a post-secondary education in economics, finance, or law. Many employers require a university degree, but it is also possible to build competence through work experience and internal training. Practical experience from banking, finance, or customer advisory roles is often advantageous and sometimes a requirement.
- Economics or law degree: 3–4.5 years at university
- Internal bank training and trainee programs
- Courses in credit assessment, risk analysis, and finance
- Internships or previous experience in banking/finance
- Strong analytical skills and accuracy
Credit analysts often collaborate with other specialists, such as lawyers and risk analysts, to ensure that credit decisions are well-founded and comply with internal and external regulations. This makes the profession varied and requires good teamwork skills.
Common benefits and compensations
In addition to the base salary, credit analysts are often offered collective agreement benefits such as occupational pension, wellness allowances, extra vacation days, and health insurance. Bonus schemes and performance-based compensation are common, especially within larger banks and financial companies. Opportunities for skills development and internal career paths are also frequently available.
Competition and challenges
The competition for positions as a credit analyst is moderate, with a relatively balanced supply and demand in the labor market. According to the Swedish Public Employment Service's forecasts, opportunities for employment in the banking sector are moderate, and demand is expected to remain unchanged over the next five years. Challenges in the profession include increased regulatory requirements, digitalization, and the need for continuous skills development. Technological advancements demand adaptability and understanding of increasingly advanced analytical tools. At the same time, the role carries significant responsibility, as misjudgments can have major financial consequences for both clients and employers.
Tips for those wanting to become a credit analyst
To succeed as a credit analyst, it is beneficial to have an analytical mindset and the ability to work systematically with large amounts of information. Developing good communication skills facilitates contact with both customers and colleagues, especially when explaining complex credit decisions. An interest in economics and finance is a clear advantage, as is accuracy when reviewing financial documents. Flexibility and adaptability are important traits in an industry where regulations and work methods change rapidly. It is recommended to seek internships or part-time jobs in the banking sector early on to gain experience, and to stay updated on new digital tools and trends in credit assessment. Showing initiative and willingness to take responsibility can also open doors to more advanced roles in the profession.
Key facts about Credit Analysts
- Education level: Post-secondary education in economics or law (3 years or more)
- Work environment: Office-based with high pace and independent responsibility
- Job market: Moderate opportunities, balanced supply and demand
- Number of job openings: Approximately 550 in the banking sector
- Special skills: Analysis, risk assessment, regulations, and customer contact
Career paths and future prospects
After gaining a few years of experience, opportunities open up for roles such as senior credit analyst, credit manager, or risk analyst. Some choose to specialize in corporate credits, others in private markets, or move into advisory services. The Swedish Public Employment Service's forecasts indicate that the job market for banking professionals, including credit analysts, is expected to be stable, with demand remaining unchanged over the next five years. Internal skills development and certifications in areas such as risk management can further strengthen career prospects. Digitalization and regulatory changes are also creating new specialist roles within the field.
Frequently asked questions about Credit Analysts
- What does a credit analyst earn?
- The average salary is 47 400 SEK/month, with variations depending on experience, education, and gender. - What education is required to become a credit analyst?
- Usually, a post-secondary education in economics, finance, or law is required, often at least 3 years. - Is there a salary difference between men and women?
- Yes, women earn on average 44 700 SEK/month, which equals 87% of men's salaries. - What is the job market like for credit analysts?
- Opportunities are moderate, and the job market is considered balanced nationally. - What are the highest and lowest salaries in the profession?
- The highest salary is 59,900 SEK/month (male, private sector, education 3 years or more), and the lowest is 40,700 SEK/month (female, private sector, education shorter than 3 years). - What personal qualities are important for a credit analyst?
- Analytical ability, accuracy, teamwork skills, and good communication are central qualities. - Are there opportunities for further education?
- Yes, banks often offer internal training, and certifications in risk and credit are available.
Salary distributed by age and sector
| Age | Base salary | Monthly salary | |
|---|---|---|---|
| 18-24 | 97% | 29800 kr | 31600 kr |
| 25-34 | 93% | 38200 kr | 41100 kr |
| 35-44 | 84% | 46900 kr | 50800 kr |
| 45-54 | 77% | 52700 kr | 56800 kr |
| 55-64 | 75% | 51300 kr | 55300 kr |
| 65-68 | 49700 kr | 53000 kr | |
| Snitt | 87% | 44100 kr | 47400 kr |
| Age | Base salary | Monthly salary | |
|---|---|---|---|
| 18-24 | 97% | 29800 kr | 31600 kr |
| 25-34 | 93% | 38200 kr | 41100 kr |
| 35-44 | 84% | 46900 kr | 50800 kr |
| 45-54 | 77% | 52700 kr | 56800 kr |
| 55-64 | 75% | 51300 kr | 55300 kr |
| 65-68 | 49700 kr | 53000 kr | |
| Snitt | 87% | 44100 kr | 47400 kr |
| Age | Base salary | Monthly salary | |
|---|---|---|---|
| 18-24 | 97% | 29800 kr | 31600 kr |
| 25-34 | 93% | 38200 kr | 41100 kr |
| 35-44 | 84% | 46900 kr | 50800 kr |
| 45-54 | 77% | 52700 kr | 56800 kr |
| 55-64 | 75% | 51300 kr | 55300 kr |
| 65-68 | 49700 kr | 53000 kr | |
| Snitt | 87% | 44100 kr | 47400 kr |
| Age | Base salary | Monthly salary | |
|---|---|---|---|
| 18-24 | 97% | 30300 kr | 32200 kr |
| 25-34 | 93% | 39600 kr | 42500 kr |
| 35-44 | 84% | 52000 kr | 56100 kr |
| 45-54 | 77% | 61900 kr | 66400 kr |
| 55-64 | 75% | 62200 kr | 66800 kr |
| Snitt | 87% | 47800 kr | 51300 kr |
| Age | Base salary | Monthly salary | |
|---|---|---|---|
| 18-24 | 97% | 30300 kr | 32200 kr |
| 25-34 | 93% | 39600 kr | 42500 kr |
| 35-44 | 84% | 52000 kr | 56100 kr |
| 45-54 | 77% | 61900 kr | 66400 kr |
| 55-64 | 75% | 62200 kr | 66800 kr |
| Snitt | 87% | 47800 kr | 51300 kr |
| Age | Base salary | Monthly salary | |
|---|---|---|---|
| 18-24 | 97% | 30300 kr | 32200 kr |
| 25-34 | 93% | 39600 kr | 42500 kr |
| 35-44 | 84% | 52000 kr | 56100 kr |
| 45-54 | 77% | 61900 kr | 66400 kr |
| 55-64 | 75% | 62200 kr | 66800 kr |
| Snitt | 87% | 47800 kr | 51300 kr |
| Age | Base salary | Monthly salary | |
|---|---|---|---|
| 18-24 | 97% | 29500 kr | 31200 kr |
| 25-34 | 93% | 36900 kr | 39700 kr |
| 35-44 | 84% | 43300 kr | 47200 kr |
| 45-54 | 77% | 47400 kr | 51200 kr |
| 55-64 | 75% | 46500 kr | 50200 kr |
| Snitt | 87% | 41500 kr | 44700 kr |
| Age | Base salary | Monthly salary | |
|---|---|---|---|
| 18-24 | 97% | 29500 kr | 31200 kr |
| 25-34 | 93% | 36900 kr | 39700 kr |
| 35-44 | 84% | 43300 kr | 47200 kr |
| 45-54 | 77% | 47400 kr | 51200 kr |
| 55-64 | 75% | 46500 kr | 50200 kr |
| Snitt | 87% | 41500 kr | 44700 kr |
| Age | Base salary | Monthly salary | |
|---|---|---|---|
| 18-24 | 97% | 29500 kr | 31200 kr |
| 25-34 | 93% | 36900 kr | 39700 kr |
| 35-44 | 84% | 43300 kr | 47200 kr |
| 45-54 | 77% | 47400 kr | 51200 kr |
| 55-64 | 75% | 46500 kr | 50200 kr |
| Snitt | 87% | 41500 kr | 44700 kr |
About the data
All information displayed on this page is based on data from the Swedish Central Bureau of Statistics (SCB), the Swedish Tax Agency and the Swedish employment agency. Learn more about our data and data sources here.
All figures are gross salaries, meaning salaries before tax. The average salary, or mean salary, is calculated by adding up the total salary for all individuals within the profession and dividing it by the number of individuals. For specific job categories, we have also considered various criteria such as experience and education.
Profession Credit rating has the SSYK code 3312, which we use to match against the SCB database to obtain the latest salary statistics.
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