- Salary statistics
- Kreditman salary
Kreditman 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 Kreditman
What does a Kreditman do? – Tasks and Work Environment
A Kreditman in the banking sector is responsible for assessing, approving, and monitoring credits for individuals and companies. Tasks include credit evaluations, analysis of borrowers' financial situations, drafting credit agreements, and maintaining ongoing contact with clients and partners. Risk assessment and collateral management to minimize bank credit losses are often included. The role requires precision, analytical skills, and a good understanding of financial regulations. The work environment is usually office-based, with elements of both individual work and team collaboration.
Salary Development Over Time
The salary level for Kreditman has shown a steady increase over the past three years. In 2022, the average salary was 42,500 SEK per month, followed by 47 400 SEK in 2023 and 47 400 SEK in 2024. The total increase over three years is approximately 11.5%, which is slightly above the average salary development in the banking sector. This positive trend reflects an increasing demand for qualified credit assessors, as well as a general rise in competence requirements in the field. The market's need for risk management and regulatory compliance has also contributed to raising salary levels, especially for those with several years of experience and relevant education.
Kreditman Salary – Complete Overview
- Average salary: 47 400 SEK/month
- Lowest salary: 40,700 SEK/month
- Highest salary: 59,900 SEK/month
- Hourly wage (average): 285 SEK
- Women: 44 700 SEK/month (87% of men's salary)
- Men: 51 300 SEK/month
- Lowest salary, men: 45,700 SEK/month
- Highest salary, women: 47,800 SEK/month
Education and Qualifications
The path to becoming a Kreditman usually involves post-secondary education in economics, finance, or law. Many employers require at least three years of university studies, preferably supplemented with specialized courses in credit assessment, risk management, or banking law. Practical experience from banking or finance sectors is advantageous and often a requirement for more advanced roles. Certifications and ongoing training can provide advantages during recruitment.
- Post-secondary education: 3 years or more in economics, law, or finance
- Specialized courses: Credit assessment, risk analysis, banking law
- Certifications: For example, Swedsec license
- Internship: Meritorious via trainee programs or banking internships
- Prerequisites: High school diploma with economics or social sciences recommended
Many Kreditman work closely with other departments such as risk, legal, and compliance, which provides a broad network and opportunities for cross-functional learning. This collaboration makes the profession particularly dynamic and rewarding, especially for those seeking variety in their daily work.
Common Benefits and Compensation
In addition to base salary, bonus or commission systems linked to the credit portfolio's performance are often offered. Other common benefits include occupational pension, wellness allowance, insurance, and subsidized loans and staff discounts. Possibilities for remote work and flexible hours are available to some extent, especially with larger employers in the banking sector.
Competition and Challenges
The market for Kreditman is characterized by a balance between supply and demand. The number of available positions in this profession is approximately 550 nationwide, indicating relatively good employment opportunities. At the same time, high demands are placed on accuracy, ethics, and the ability to handle complex credit assessments in a changing financial environment. Digitalization and automation of credit processes also mean that job tasks are evolving, requiring continuous skills development. Competition for the most attractive positions is particularly noticeable in metropolitan areas.
Tips for Aspiring Kreditman
To succeed as a Kreditman, it is good to combine analytical skills with a high level of accuracy and integrity. It is recommended to gain experience in banking or finance early on, such as through internships or part-time work, while prioritizing education in economics. Good communication skills are essential, as the work involves many customer contacts and presentations of credit decisions. Staying updated on legislation and financial trends provides a competitive edge, as does developing the ability to work systematically under time pressure. Flexibility and a solution-oriented mindset facilitate handling complex situations and contribute to long-term success in the profession.
Key Facts About Kreditman
- Educational level: Post-secondary education, at least 3 years
- Work environment: Office-based, often in teams
- Demand: 550 job openings nationwide
- Future outlook: Moderate, unchanged demand according to the Employment Service
- Gender salary difference: Women earn 87% of men's salaries
Career Paths and Future Prospects
After three to five years as a Kreditman, opportunities open to advance to roles such as credit manager, risk analyst, or other leadership positions within banking and finance. Developing specialized expertise in areas like corporate credits or real estate financing can also lead to more qualified and higher-paid positions. According to the latest forecast from the Employment Service, job opportunities in the banking profession are moderate and demand is expected to remain unchanged over the next five years. This indicates a stable job market, but competition for the most attractive roles can be intense, especially in larger cities. Continuous skills development and specialization are key factors for long-term career growth in the field.
Frequently Asked Questions About Kreditman
- What is the average salary of a Kreditman?
- The average monthly salary is 47 400 SEK. - What do salary differences between men and women look like?
- Men earn an average of 51 300 SEK, women 44 700 SEK, which means women earn 87% of men's salaries. - What education is required to become a Kreditman?
- At least three years of post-secondary education in economics, finance, or law is recommended. - What are the future prospects for a Kreditman?
- The Employment Service assesses the opportunities as moderate and demand is expected to remain unchanged over the next five years. - What are the most common tasks for a Kreditman?
- Credit assessment, drafting credit agreements, risk analysis, and customer contact are central parts of the job. - Are there regional salary differences?
- Regional differences exist, with higher salaries in metropolitan areas and slightly lower in smaller towns.
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 Kreditman has the SSYK code 3312, which we use to match against the SCB database to obtain the latest salary statistics.
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