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.
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% |
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.
Recommended Courses
Courses matched to Credit Analysts skill gaps, ranked by relevance to your displacement risk profile.
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Upskill to Reduce Risk
Courses addressing your most AI-vulnerable skills
Machine Learning Specialization
by Stanford / DeepLearning.AI
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AI-Augmentation Tools
Learn to work alongside AI and boost your productivity
Google UX Design Professional Certificate
by Google
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Strengthen Your Edge
Double down on skills AI can't replicate
Leading People and Teams Specialization
by University of Michigan
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Risk reduction and salary impact are estimates based on skill gap analysis, course relevance, and labor market data. Actual results vary by individual circumstance.
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Score History
Risk score over 3 scoring runs
overall change
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
Related News
Recent articles about AI affecting this occupation
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Copperlane raised $4.1 million to scale Penny, an AI-powered loan officer designed to review borrower documents in minutes, directly threatening traditional mortgage processing roles.
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Despite industry-wide automation replacing entry-level finance roles, the banking giant is committing to a massive incoming intern class. The move signals that major financial institutions still value human talent pipelines even as they deploy AI.
Last scored March 14, 2026 · Based on BLS employment data and O*NET task analysis