Average Mortgage Credit Analyst Salary in Tunisia for 2024

In this article, we will look at the average Mortgage Credit Analyst salary for 2024 in Tunisia and how that compares to other countries and professions. We'll also look at interesting salary data points like median salary, 25th and 75th percentile salaries, salary amounts based on experience, bonus ranges and more!

The data in this article has been compiled using official government salary data, salary surveys, and other sources such as job postings which contain salary information.

All salary information is in the local currency, which is the Tunisian dinar. To keep things simple, we are using the TND currency code instead of the currency symbol د.ت.

How Much Does a Mortgage Credit Analyst Make in Tunisia?

A Mortgage Credit Analyst working in Tunisia will typically earn around 25,440 TND per year, and this can range from the lowest average salary of about 13,540 TND to the highest average salary of 43,480 TND.

Average Annual Salary
25,440 TND
Average Monthly Salary
2,120 TND

Lowest Annual Salary
13,540 TND
Lowest Monthly Salary
1,128 TND

Highest Annual Salary
43,480 TND
Highest Monthly Salary
3,623 TND

These are average salaries for a Mortgage Credit Analyst in Tunisia and include benefits such as housing and transport. It's also possible for a Mortgage Credit Analyst to earn more or less than the average salaries shown above.

Mortgage Credit Analyst salaries will vary a lot based on your experience, location, skills, and gender. Keep reading below to research more data on each of these areas.

Distribution of Mortgage Credit Analyst Salaries in Tunisia

So we've looked at the average salaries a Mortgage Credit Analyst will earn in Tunisia. The next interesting data point is the distribution of salaries.

Salary ranges

We already know that a Mortgage Credit Analyst can earn between 13,540 TND and 43,480 TND on average in Tunisia. This is known as the range in statistics.

The difference between the maximum and minimum values is a good indicator of variability in salaries, and can be used by employers to figure out how much they can expect to pay, and for employees to know how much they can earn.

Median salary

The median salary for a Mortgage Credit Analyst in Tunisia is 27,620 TND. This is the middle value in the distribution of salaries.

What this means is that approximately 50% of the population earn less than 27,620 TND, and 50% of the population earn more than 27,620 TND.

If you are earning more than the median salary, that's a good indicator that you are being paid well.

If you're not earning more than the median salary, your objective should be to increase your earnings to be at least as high as the median salary (which you can do by asking for a pay rise, looking for a better paying job, etc).

Percentiles

Percentiles are similar to the median salary, but instead of looking at the middle value, they look at the values in the top and bottom half of the distribution.

For the average Mortgage Credit Analyst salary in Tunisia, 25% of the population are earning less than 19,640 TND while 75% of the population earn more than 19,640 TND.

75% of the population earn less than 37,740 TND, and 25% of the population earn more than 37,740 TND.

Like the median salary, the 25th and 75th percentile salaries can be used to determine which quartile you fall into so that you know whether you are being paid well enough compared to others in your profession and location.

The difference between a median and an average salary

The median and average salary are both indicators you can use to see if you are being paid fairly based on the overall population.

  • If your salary is higher than the average and the median salary, you are earning well compared to others.
  • If your salary is lower than the average and the median salary, it could indicate you are not being paid well enough.
  • If you are somewhere in between then it's tricky to determine if you are being paid well enough and you might need to research more closely.

Mortgage Credit Analyst Salary by Experience Level in Tunisia

The most important factor in determining your salary after the specific profession is the number of years experience you have. It stands to reason that more years of experience will result in a higher wage.

We have researched the average mortgage credit analyst salary based on years of experience to give you an idea of how the average changes once you've worked for a certain amount of time.

  • 0 - 2 Years Experience. A Mortgage Credit Analyst in Tunisia that has less than two years of experience can expect to earn somewhere in the region of 13,100 TND.
  • 2 - 5 Years Experience. With two to five years of experience the average Mortgage Credit Analyst salary would increase to 21,640 TND.
  • 5 - 10 Years Experience. From five to ten years of experience as a Mortgage Credit Analyst, the average salary would be 28,660 TND.
  • 10 - 15 Years Experience. Once you have more than ten years of experience the average salary reaches around 33,520 TND.
  • 15 - 20 Years Experience. A Mortgage Credit Analyst with 15 to 20 years of experience can earn an average of 38,180 TND.
  • 20+ Years Experience. For a Mortgage Credit Analyst with more than 20 years, the expected average salary increases to 39,560 TND.

Average Salary by Experience Chart

0-2 Years
13,100 TND
2-5 Years +42%
21,640 TND
5-10 Years +31%
28,660 TND
10-15 Years +23%
33,520 TND
15-20 Years +6%
38,180 TND
20+ Years +10%
39,560 TND

Mortgage Credit Analyst Salary by Education Level in Tunisia

As well as experience in a job, your education plays a big role in how much you can earn. A lot of higher paying positions require a high level of education, but how much can a degree increase your salary?

In our research we have compared the salaries of employees in the same job and career level with different levels of education to see how much more you can earn at each education level.

The salary you can earn based on your education is very specific to both your location and the career path you choose.

In our research, we looked at the average salary for a Mortgage Credit Analyst in Tunisia based on the education level of the employees in order to find out whether a better education level would increase your salary.

  • Bachelor's Degree. A Mortgage Credit Analyst in Tunisia with a bachelor's degree education can earn an average salary of 24,820 TND.

  • Master's Degree. A Mortgage Credit Analyst in Tunisia with a master's degree education can earn an average salary of 32,420 TND.

Average Salary by Education Chart

Bachelor's Degree
24,820 TND
Master's Degree +43%
32,420 TND

How Much is a Master's Degree or MBA Program?

The approximate cost of a master's degree or post-graduate program like an MBA in Tunisia is around 19,600 to 58,700 TND and takes two years to complete.

As you can see above, there are financial benefits from reaching master's degree level, but don't expect to see much of a salary increase until you have completed the degree.

It's common for people to pursue an MBA or other post-graduate program in order to switch to a a job that pays more. On average, you can expect to earn around 10% more when switching to a new company.

Whether you decide to pursue a master's degree depends on many factors. If you are able to afford it, the numbers suggest that the return on investment is worth it and you could recover the costs in a few years from the salary increase you would receive.

Mortgage Credit Analyst Salary Compared by Gender

In the modern age, we know that there should never be a pay gap between men and women. Unfortunately, in many professions, there is still a significant difference between the salaries earned by men when compared to the salary of women in the same job.

In Tunisia, a male mortgage credit analyst will earn an average of 26,400 TND, while a female mortgage credit analyst will earn around 24,720 TND.

This means that a male mortgage credit analyst earns approximately 7% more than a female mortgage credit analyst for performing the same job.

Average Salary by Gender Chart in Tunisia

Male
26,400 TND
Female -7%
24,720 TND

Mortgage Credit Analyst Average Pay Raise in Tunisia

In many countries, an annual pay raise is often given to employees to reward their service with a salary increase.

From our research, we can see that the average pay raise for a Mortgage Credit Analyst in Tunisia is around 11% every 17 months.

The national average pay raise across all professions and industries in Tunisia is around 8% every 19 months.

In this case, we can see that the number of months between the average pay raise is higher than the typical 12 months.

To make the data more meaningful, we can calculate what the approximate annual pay raise would be using a simple formula:

Annual Increase = ( Increase Rate ÷ Months ) × 12

So for this example, it would be:

Annual Increase = ( 11 ÷ 17 ) × 12  = 8%

What this means is that a Mortgage Credit Analyst in Tunisia can expect to receive an average pay raise of around 8% every 12 months.

Annual Pay Raise by Industry in Tunisia for 2024

In the chart below, you can see the average annual pay raise percentages for each of the major industries in Tunisia.

You will see that companies in bigger and more lucrative industries tend to have the higher annual pay raises.

Banking
4%
Energy
8%
Information Technology
3%
Healthcare
7%
Travel
2%
Construction
6%
Education
1%

Mortgage Credit Analyst Bonus and Incentive Rates in Tunisia

Another part of your overall compensation in a job is how much bonus you receive. Some job roles will be more likely to pay a bonus than others and also more likely to have higher bonus rates.

Generally speaking, jobs that are more involved with direct revenue generation will receive higher bonuses based on the performance towards revenue goals.

A Mortgage Credit Analyst is a moderate bonus based job, with 52% of employees reporting at least one bonus in the last 12 months.

48% reported that they had not received any bonuses in the previous 12 months.

For the employees that did receive a bonus in the previous 12 months, the reported bonuses ranged from 3% to 6%.

Received Bonus
52%
No Bonus
48%

What are the Types of Bonus?

There are a number of difference types of bonus you can receive in a job. Including:

  • Individual performance bonus - This is a bonus that is awarded to an individual employee for general performance in the job. It's the most common type of bonus.
  • Company performance bonus - This is a bonus that is awarded to a company employees to share profit with the staff.
  • Goal based bonus - This is a bonus that is awarded to an individual employee (or a team) for achieving specific goals, objectives, or milestones.
  • Holiday bonus - This type of bonus is usually paid around the holidays, often the end of the year, and is a token of appreciation for the hard work throughout the year.

Government vs Private Sector Salaries

Another commonly asked question is whether you get paid a higher salary working in the public (government) sector or the private sector.

Public sector employees in Tunisia earn approximately 10% more than private sector employees in the same role.

Public Sector
50,240 TND
Private Sector -10%
45,560 TND

Salaries for Jobs Similar to a Mortgage Credit Analyst

In the table below, we have salary information for jobs that are similar to a Mortgage Credit Analyst in Tunisia.

Job Title Category Salary
AML Analyst Banking 70,880 TND
Assistant Bank Branch Manager Banking 64,560 TND
Assistant Bank Manager Banking 81,180 TND
ATM Manager Banking 72,780 TND
ATM Service Technician Banking 21,540 TND
Bank Accounts Analyst Banking 28,720 TND
Bank Accounts Collector Banking 17,540 TND
Bank Accounts Controller Banking 36,580 TND
Bank Accounts Executive Banking 52,460 TND
Bank Accounts Manager Banking 58,720 TND
Bank Auditing Manager Banking 57,820 TND
Bank Branch Manager Banking 86,760 TND
Bank Branch Operations Coordinator Banking 37,740 TND
Bank Clerk Banking 16,340 TND
Bank Client Service Associate Banking 25,220 TND
Bank Collector Banking 15,700 TND
Bank Compliance Specialist Banking 41,480 TND
Bank Manager Banking 104,500 TND
Bank Operational Risk Manager Banking 96,180 TND
Bank Operations Head Banking 102,380 TND
Bank Operations Officer Banking 38,780 TND
Bank Operations Specialist Banking 61,180 TND
Bank Process Manager Banking 52,300 TND
Bank Product Manager Banking 64,620 TND
Bank Programme Manager Banking 69,540 TND
Bank Project Manager Banking 76,280 TND
Bank Propositions Manager Banking 75,040 TND
Bank Quantitative Analyst Banking 53,860 TND
Bank Regional Manager Banking 109,740 TND
Bank Regional Risk Officer Banking 53,120 TND
Bank Relationship Manager Banking 71,400 TND
Bank Relationship Officer Banking 35,300 TND
Bank Teller Banking 18,780 TND
Banker Banking 35,300 TND
Banking Business Analyst Banking 52,820 TND
Banking Business Development Officer Banking 32,960 TND
Banking Business Planning Executive Banking 70,880 TND
Banking Product Manager Banking 64,300 TND
Banking Reference Data Manager Banking 59,000 TND
Banking Risk Analyst Banking 53,120 TND
Banking Technical Analyst Banking 29,540 TND
Bankruptcy Coordinator Banking 35,260 TND
Bill and Account Collector Banking 17,860 TND
Budget Analyst Banking 54,460 TND
Capital Risk Manager Banking 96,540 TND
Cards Marketing Manager Banking 66,260 TND
Cash Management Manager Banking 89,960 TND
Check Processing Manager Banking 67,320 TND
Commercial Vault Associate Banking 50,240 TND
Corporate Banker Banking 36,700 TND
Corporate Dealer Banking 55,020 TND
Credit Analyst Banking 38,340 TND
Credit and Collections Manager Banking 69,260 TND
Credit Card Fraud Investigator Banking 56,100 TND
Credit Portfolio Manager Banking 102,240 TND
Credit Risk Analyst Banking 59,940 TND
Credit Risk Associate Banking 53,320 TND
Direct Bank Sales Representative Banking 36,720 TND
Exchange Control Consultant Banking 56,100 TND
Executive Account Analyst Banking 50,620 TND
Financial Bank Planning Consultant Banking 66,940 TND
Financial Banking Analysis Manager Banking 74,380 TND
Financial Banking Assistant Banking 23,360 TND
Financial Banking Systems Manager Banking 73,820 TND
Foreign Exchange Manager Banking 80,920 TND
Fraud Analyst Banking 51,900 TND
Fraud Detection Associate Banking 37,740 TND
Fraud Detection Manager Banking 80,840 TND
Fraud Detection Supervisor Banking 44,540 TND
Internal Bank Audit Manager Banking 96,180 TND
Internal Bank Auditor Banking 52,380 TND
Internal Private Banker Banking 36,700 TND
International Banking Manager Banking 103,900 TND
Investment Banking Analyst Banking 77,100 TND
Loan Analyst Banking 52,380 TND
Loan Area Manager Banking 61,680 TND
Loan Audit Team Leader Banking 58,000 TND
Loan Branch Manager Banking 61,400 TND
Loan Business Development Officer Banking 32,900 TND
Loan Clerk Banking 17,860 TND
Loan Collection and Recovery Manager Banking 62,460 TND
Loan Collection Manager Banking 60,840 TND
Loan Collector Banking 15,700 TND
Loan Examiner Banking 23,660 TND
Loan Officer Banking 20,520 TND
Loan Processing Manager Banking 52,300 TND
Loan Processor Banking 24,840 TND
Loan Quality Assurance Auditor Banking 51,120 TND
Loan Quality Assurance Manager Banking 61,400 TND
Loan Quality Assurance Representative Banking 41,900 TND
Loan Review Manager Banking 56,460 TND
Loan Team Leader Banking 51,340 TND
Loans Manager Banking 72,780 TND
Mortgage Advisor Banking 35,260 TND
Mortgage Collection Manager Banking 61,620 TND
Mortgage Collector Banking 17,860 TND
Mortgage Credit Manager Banking 56,640 TND
Mortgage Development Manager Banking 66,260 TND
Mortgage Document Reviewer Banking 24,280 TND
Mortgage Funding Manager Banking 69,040 TND
Mortgage Operations Manager Banking 94,900 TND
Mortgage Payment Processing Clerk Banking 18,900 TND
Mortgage Processing Manager Banking 59,380 TND
Mortgage Processor Banking 24,840 TND
Mortgage Quality Assurance Auditor Banking 50,340 TND
Mortgage Quality Assurance Manager Banking 57,860 TND
Mortgage Servicing Clerk Banking 19,220 TND
Mortgage Servicing Manager Banking 58,520 TND
Mortgage Underwriter Banking 20,760 TND
Online Banking Manager Banking 87,640 TND
Payment Processing Clerk Banking 16,980 TND
Personal Banker Banking 36,700 TND
Personal Banking Advisor Banking 41,980 TND
Phone Banker Banking 24,860 TND
Private Banker Banking 36,720 TND
Reconciliation and Investigation Specialist Banking 43,080 TND
Tax Officer Banking 33,440 TND
Teller Banking 15,920 TND
Trade Officer Banking 21,020 TND
Trade Product Manager Banking 58,720 TND
Trader Banking 27,380 TND
Treasury Operations Officer Banking 43,760 TND

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