high risk

Credit Analysts

Also known as: Analyst, Credit Administrator, Credit Analyst, Credit and Collections Analyst, Credit Assessment Analyst, Credit Coordinator, Credit Manager, Credit Negotiator, Credit Representative, Credit Risk Analyst

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.

Higher risk than 95% of occupations

AI Impact Summary

Credit Analysts faces high AI displacement risk with a score of 50/100. This occupation has higher AI displacement risk than 95% 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

AI-Resistant

AI-Augmented

AI-Vulnerable

Information Ordering5%

High reliance on Information Ordering is a risk area. Consider developing complementary AI-resistant skills to maintain value.

Reading Comprehension10%

High reliance on Reading Comprehension is a risk area. Consider developing complementary AI-resistant skills to maintain value.

AI-Resistant

Complex Problem Solving75%

Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.

Coordination70%

Coordination is AI-resistant — strengthening this skill provides durable career protection.

+14 more skills

Education & Training

Percentage of workers at each education and training level

Education Level

High School Diploma7%

Some College7%

Post-Secondary Certificate7%

Associate's Degree27%

Bachelor's Degree50%

Master's Degree3%

Prior Experience Needed

Work experience required to enter this job

None13%

6 months - 1 year7%

1-2 years20%

2-4 years53%

4-6 years3%

6-8 years3%

Training Provided After Hiring

How long it typically takes to learn on the job

None3%

Up to 1 month23%

1-3 months33%

3-6 months13%

6 months - 1 year13%

1-2 years7%

2-4 years3%

4-6 years3%

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.

Risk: 59.0%AI: 80Time: 20%

Generate financial ratios, using computer programs, to evaluate customers' financial status.

Risk: 87.2%AI: 95Time: 10%

Consult with customers to resolve complaints and verify financial and credit transactions.

Risk: 29.0%AI: 35Time: 10%

Prepare reports that include the degree of risk involved in extending credit or lending money.

Risk: 83.2%AI: 85Time: 10%

Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.

Risk: 83.2%AI: 85Time: 10%

Task	AI Capability	Risk	Time %
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.	80	59.0%	20%
Generate financial ratios, using computer programs, to evaluate customers' financial status.	95	87.2%	10%
Consult with customers to resolve complaints and verify financial and credit transactions.	35	29.0%	10%
Prepare reports that include the degree of risk involved in extending credit or lending money.	85	83.2%	10%
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.	85	83.2%	10%

Protective Factors

Total protective discount: 21.1%

Essential Soft Skills

Traits that are hard for AI to replicate

IntegrityAttention to DetailAnalytical ThinkingDependabilitySelf ControlStress ToleranceInitiativeCooperationPersistenceAchievement/EffortIndependenceAdaptability/Flexibility