Credit Analysts
SOC: 13-2041.00 · Job Zone 4 (Considerable preparation)
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 high AI displacement risk with a score of 50/100. Significant displacement is estimated between 2034 and 2041. Of 10 analyzed tasks, 4 are highly automatable, particularly in routine_cognitive. Strong protective factors — including social intelligence, creativity, or regulatory barriers — significantly reduce effective risk.
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
Protective Factors
Total protective discount: 21.1%
Skill Analysis
AI-Vulnerable Skills (6)
High reliance on Information Ordering is a risk area. Consider developing complementary AI-resistant skills to maintain value.
High reliance on Reading Comprehension 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 (7)
Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.
Coordination is AI-resistant — strengthening this skill provides durable career protection.
Persuasion 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.
Instructing is AI-resistant — strengthening this skill provides durable career protection.
Manual Dexterity is AI-resistant — strengthening this skill provides durable career protection.
AI-Augmented Skills (5)
Recommendations
Skills to Develop
These skills are at risk from AI automation. Credit Analysts professionals should diversify beyond them.
- Information Ordering
High reliance on Information Ordering is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Reading Comprehension
High reliance on Reading Comprehension 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.
- Complex Problem Solving
Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.
- Coordination
Coordination is AI-resistant — strengthening this skill provides durable career protection.
- Persuasion
Persuasion is AI-resistant — strengthening this skill provides durable career protection.
- Social Perceptiveness
Social Perceptiveness is AI-resistant — strengthening this skill provides durable career protection.
- Negotiation
Negotiation 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.
Task Breakdown
10 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.
Prepare reports that include the degree of risk involved in extending credit or lending money.
Consult with customers to resolve complaints and verify financial and credit transactions.
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.
| Task | Category | AI Capability | Risk Score | Time % |
|---|---|---|---|---|
| Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. | Non-Routine Analytical | 80 | 59.0 | 20% |
| Generate financial ratios, using computer programs, to evaluate customers' financial status. | Routine Cognitive | 95 | 87.2 | 10% |
| Prepare reports that include the degree of risk involved in extending credit or lending money. | Routine Cognitive | 85 | 83.2 | 10% |
| Consult with customers to resolve complaints and verify financial and credit transactions. | Non-Routine Interpersonal | 35 | 29.0 | 10% |
| Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval. | Routine Cognitive | 85 | 83.2 | 10% |
| Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations. | Non-Routine Analytical | 80 | 59.0 | 12% |
| Review individual or commercial customer files to identify and select delinquent accounts for collection. | Routine Cognitive | 90 | 85.2 | 8% |
| Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans. | Non-Routine Analytical | 65 | 53.0 | 10% |
| Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity. | Non-Routine Analytical | 75 | 57.0 | 5% |
| Confer with credit association and other business representatives to exchange credit information. | Non-Routine Interpersonal | 30 | 27.0 | 5% |
Community Assessment
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