Credit Analysts
Analyze credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money. Prepare reports with credit information for use in decision making.
AI Impact Summary
Credit Analysts faces moderate AI displacement risk with a score of 42/100. This occupation has higher AI displacement risk than 86% of all analyzed occupations. Of 11 analyzed tasks, 4 are highly automatable, particularly routine cognitive tasks. Strong protective factors — including social intelligence, creativity, or regulatory barriers — significantly reduce effective risk.
Skill Impact Analysis
AI-Vulnerable Skills (6)
High reliance on Reading Comprehension is a risk area. Consider developing complementary AI-resistant skills to maintain value.
High reliance on Information Ordering is a risk area. Consider developing complementary AI-resistant skills to maintain value.
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
Memorization is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
Programming is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
AI-Resistant Skills (11)
Adaptability/Flexibility is AI-resistant — strengthening this skill provides durable career protection.
Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.
Leadership is AI-resistant — strengthening this skill provides durable career protection.
Service Orientation is AI-resistant — strengthening this skill provides durable career protection.
Persuasion is AI-resistant — strengthening this skill provides durable career protection.
Coordination is AI-resistant — strengthening this skill provides durable career protection.
Social Perceptiveness is AI-resistant — strengthening this skill provides durable career protection.
Negotiation is AI-resistant — strengthening this skill provides durable career protection.
AI-Augmented Skills (7)
Recommended Courses
Courses matched to Credit Analysts skill gaps, ranked by relevance to your displacement risk profile.
Get personalized recommendations. Answer a few questions about your experience and skills to get course suggestions tailored specifically to you.
Upskill to Reduce Risk
Courses addressing your most AI-vulnerable skills
Machine Learning Specialization
by Stanford / DeepLearning.AI
Estimated Impact
AI-Augmentation Tools
Learn to work alongside AI and boost your productivity
Google UX Design Professional Certificate
by Google
Estimated Impact
Strengthen Your Edge
Double down on skills AI can't replicate
Leading People and Teams Specialization
by University of Michigan
Estimated Impact
We may earn a commission when you enroll through our links, at no extra cost to you. This helps fund the Takeover Tracker.
Risk reduction and salary impact are estimates based on skill gap analysis, course relevance, and labor market data. Actual results vary by individual circumstance.
Education & Training
Percentage of workers at each education and training level
Education Level
Prior Experience Needed
Work experience required to enter this job
Training Provided After Hiring
How long it typically takes to learn on the job
How AI Impacts Each Task
11 tasks analyzed
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
Generate financial ratios, using computer programs, to evaluate customers' financial status.
Consult with customers to resolve complaints and verify financial and credit transactions.
Prepare reports that include the degree of risk involved in extending credit or lending money.
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
Review individual or commercial customer files to identify and select delinquent accounts for collection.
Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.
Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.
Confer with credit association and other business representatives to exchange credit information.
Contact customers regarding delinquent accounts to collect payments.
| Task | AI Capability | Risk | Time % | |
|---|---|---|---|---|
| Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. | 56.38Observed | 49.6% | 20% | |
| Generate financial ratios, using computer programs, to evaluate customers' financial status. | 97Estimated | 88.0% | 10% | |
| Consult with customers to resolve complaints and verify financial and credit transactions. | 25Estimated | 25.0% | 8% | |
| Prepare reports that include the degree of risk involved in extending credit or lending money. | 92Estimated | 86.0% | 10% | |
| Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval. | 92Estimated | 86.0% | 10% | |
| Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations. | 70Estimated | 55.0% | 12% | |
| Review individual or commercial customer files to identify and select delinquent accounts for collection. | 61.38Observed | 73.8% | 5% | |
| Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans. | 57.9Observed | 50.2% | 10% | |
| Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity. | 70Estimated | 55.0% | 5% | |
| Confer with credit association and other business representatives to exchange credit information. | 15Estimated | 21.0% | 5% | |
| Contact customers regarding delinquent accounts to collect payments. | 30Estimated | 27.0% | 5% |
Protective Factors
Total protective discount: 26.9%
Essential Soft Skills
Traits that are hard for AI to replicate
Wage & Employment (2024)
Median Wage
$80,970
per year
Mean Wage
$98,040
per year
Employment
67K
workers
Wage Range
$52,930 - $168,840
10th - 90th pct
Wage Distribution
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Recommendations
Skills to Develop
These skills are at risk from AI automation. Credit Analysts professionals should diversify beyond them.
- Reading Comprehension
High reliance on Reading Comprehension is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Information Ordering
High reliance on Information Ordering is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Mathematics
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Mathematics
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Memorization
Memorization is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
Skills to Leverage
These human-centric skills remain difficult for AI to replicate. Double down here.
- Adaptability/Flexibility
Adaptability/Flexibility is AI-resistant — strengthening this skill provides durable career protection.
- Complex Problem Solving
Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.
- Leadership
Leadership is AI-resistant — strengthening this skill provides durable career protection.
- Service Orientation
Service Orientation is AI-resistant — strengthening this skill provides durable career protection.
- Persuasion
Persuasion is AI-resistant — strengthening this skill provides durable career protection.
Tools to Adopt
AI can amplify these skills. Learn the tools that augment rather than replace your work.
- Critical Thinking
Critical Thinking will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Active Learning
Active Learning will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Judgment and Decision Making
Judgment and Decision Making will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Writing
Writing will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Systems Analysis
Systems Analysis will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
Score History
Risk score over 3 scoring runs
overall change
Related News
Recent articles about AI affecting this occupation
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