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Lender 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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What does a credit analyst do? – Tasks and work environment
A credit analyst in banking and finance is responsible for analyzing and assessing credit applications from both individuals and companies. The work involves collecting and reviewing financial data, evaluating collateral, and making lending decisions based on the bank's guidelines and risk policies. The credit analyst often collaborates with advisors, risk analysts, and sometimes lawyers to ensure that credit decisions are well-founded. The work environment is typically office-based with digital tools and system support, and the pace can be high at times, especially near deadlines or for larger credit applications. The role requires great attention to detail, integrity, and the ability to interpret complex financial information.
Salary development over time
The salary for credit analysts has shown a clear upward trend in recent years. In 2022, the average salary was 42,500 SEK per month, followed by an increase to 47 400 SEK in 2023. In 2024, the average salary has risen further to 47 400 SEK, representing a total increase of approximately 11.5% over three years. This development reflects an increased demand for qualified banking professionals, and employers in the industry have needed to offer competitive salaries to attract and retain experienced staff. Part of the salary increase can also be explained by higher educational and digital skills requirements, as well as increased responsibilities related to complex credit assessments and regulatory changes.
Credit analyst salary – comprehensive overview
- Average salary: 47 400 SEK/month
- Lowest salary: 40,700 SEK/month
- Highest salary: 59,900 SEK/month
- Hourly wage (average): 285 SEK
- Gender differences: Men: 51 300 SEK, Women: 44 700 SEK (women earn 87% of what men do)
- Regional differences: Salaries may vary depending on region and employer
Education and qualifications
A credit analyst typically holds a post-secondary education in economics, law, or finance, often at university or college level. Many employers prefer candidates with a bachelor's degree and supplementary courses in credit assessment, risk management, or banking. Practical experience from banking, finance, or similar roles is often advantageous, as are good skills in digital analysis tools and financial systems.
- Formal education: Bachelor's degree in economics, law, or finance (3 years)
- Certifications: Courses in credit assessment and risk analysis
- Internship/Trainee: Meritorious, trainee programs within the banking sector are often offered
- Prerequisites: Upper secondary school diploma and university eligibility are required
- Skills: Analytical ability and experience with digital tools are highly valued
Working as a credit analyst often involves contact with both entrepreneurs and private individuals, providing a broad understanding of various industries and economic conditions. The ability to quickly understand new business models and analyze complex financial relationships is therefore an unexpected but valuable competence developed in the profession.
Common benefits and compensations
In addition to the base salary, credit analysts are often offered benefits such as occupational pension, wellness allowance, extra vacation days, and opportunities for skills development. Other common compensations may include bonus schemes, subsidized lunches, and health insurance, especially at larger banks and financial companies.
Competition and challenges
The competition for roles as a credit analyst is relatively balanced, with a constant need for qualified personnel in the banking and finance sector. Challenges in the role include high demands for accuracy, continuous updates on laws and regulations, and the ability to handle complex credit assessments under time pressure. Digitalization has also changed work processes, requiring credit analysts to quickly adapt to new systems and ways of working. At the same time, competition for the most attractive positions can be fierce, particularly in metropolitan regions where the banking sector is strongly represented.
Tips for those aspiring to become a credit analyst
To succeed as a credit analyst, it is good to combine analytical skills with a strong sense of responsibility. A good memory for numbers and precision facilitate the review of financial documents, while communication skills help in contact with clients and colleagues. Showing initiative and staying updated on industry regulations increases chances of advancement. Flexibility is an asset when new digital tools are introduced, and high integrity is necessary to make impartial decisions. Finally, it is wise to seek internships or trainee positions during studies to build experience and networks within the banking world.
Key facts about credit analysts
- Educational level: Bachelor's degree in economics or finance
- Work environment: Office-based, often in teams
- Typical working hours: Full-time, daytime
- Demand: Moderate, approximately 550 job openings nationwide
- Special skills: Credit assessment, risk analysis, digital tools
Career paths and future prospects
After a few years of experience, a credit analyst can advance to roles such as senior credit evaluator, risk analyst, or credit manager within banking and finance. It is also common to switch to related roles, such as corporate advisor or specialist in internal control and compliance. The prognosis from the Swedish Public Employment Service indicates that job opportunities for bank clerks are considered moderate and are expected to remain unchanged over the next five years. The recruitment situation is characterized by balance, meaning there is neither a shortage nor an oversupply of credit analysts. However, digitalization and new regulations may influence the need for specialized skills in the future.
Common questions about credit analysts
- What does a credit analyst earn?
- A credit analyst has an average salary of 47 400 SEK per month, but the salary varies depending on experience and employer. - What education is required to become a credit analyst?
- Usually, a bachelor's degree in economics, law, or finance along with supplementary courses in credit assessment are required. - What are the career opportunities?
- With a few years of experience, a credit analyst can advance to senior roles or specialize in risk and analysis. - Are there regional salary differences?
- Yes, salaries can vary depending on region and employer; larger cities tend to have slightly higher salaries. - What personal qualities are important?
- Analytical ability, accuracy, integrity, and communication skills are central qualities in the profession. - What are the gender differences in the profession?
- Men earn an average of 51 300 SEK, women 44 700 SEK, which means women earn 87% of what men do. - How many job openings are there?
- There are approximately 550 job openings in the banking sector.
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 Lender has the SSYK code 3312, which we use to match against the SCB database to obtain the latest salary statistics.
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