Will AI replace Credit Analysts?
AI reaches a large part of this job’s work.
54/100
High exposure
More exposed to AI than 85% of US workers.
- AI already used in
- 12% of the work
- As AI tools mature: up to
- 91% of the work
What the job involves
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 decisionmaking.
Where AI reaches the work
The job’s main tasks, heaviest first, by how far AI reaches them.
Already happening(1)
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
Within reach(8)
- Generate financial ratios, using computer programs, to evaluate customers' financial status.
- Prepare reports that include the degree of risk involved in extending credit or lending money.
- Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
- Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
- Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
and 3 more
Out of reach(2)
- Confer with credit association and other business representatives to exchange credit information.
- Contact customers to collect payments on delinquent accounts.
Also called
Credit Analyst · Credit Risk Analyst · Credit and Collections Analyst · Credit Assessment Analyst · Credit Manager · Credit Negotiator · Escrow Representative · Credit Administrator
Related jobs
What these numbers mean
The score is the share of this job’s work, weighted by how important and frequent each task is, that AI could do in half the time: tasks an AI model could do alone count in full, tasks that need software built on AI count half.
“AI already used” is the share of the work in tasks where people are recorded using AI today. “As AI tools mature” counts every task AI could halve, with or without extra software.
The percentile compares the score with every job’s, weighted by how many people in the US do each one. Exposure means AI could change how the work is done, not that the job goes away. These are estimates for the typical job, not predictions.
Sources
- O*NET 31.0 Database, U.S. Department of Labor, Employment and Training Administration
- GPTs are GPTs: Labor market impact potential of LLMs (task labels), Eloundou, Manning, Mishkin & Rock (2023), OpenAI and University of Pennsylvania
- Anthropic Economic Index: labor market impacts (task penetration), Anthropic
- Occupational Employment and Wage Statistics, May 2025 (national and metropolitan areas), U.S. Bureau of Labor Statistics