Credit Analysts

Credit Analysts score 56 out of 100, which is elevated exposure to AI. That ranks #133 of 923 US occupations, where #1 is the most exposed. Of the 11 tasks in this job, AI could speed up 1 on its own and 10 more with extra software built on top of it. In April–May 2026, 4 of these tasks showed up in real conversations with Claude, Anthropic's AI assistant.

56/ 100

Elevated

Rank: #133of 923 jobs
US workers: 64,390BLS, May 2025
Median pay: $83,510a year
In real AI use: 4 of 11tasks, April–May 2026

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Task by task

Each task this job involves, as listed by O*NET, rated on whether a large language model like GPT-4 could cut the time it takes by at least half at the same quality. Tasks marked Seen in real AI use appeared in conversations with Claude in April–May 2026 (Anthropic Economic Index).

AI can speed this up on its own: 1 (9%)
AI can speed this up with extra software: 10 (91%)
Little or no AI speed-up: 0 (0%)

Generate financial ratios, using computer programs, to evaluate customers' financial status.AI can speed this up on its own · core task
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.AI can speed this up with extra software · core task · Seen in real AI use
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.AI can speed this up with extra software · core task
Prepare reports that include the degree of risk involved in extending credit or lending money.AI can speed this up with extra software · core task · Seen in real AI use
Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.AI can speed this up with extra software · core task
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.AI can speed this up with extra software · core task · Seen in real AI use
Consult with customers to resolve complaints and verify financial and credit transactions.AI can speed this up with extra software · core task
Contact customers to collect payments on delinquent accounts.AI can speed this up with extra software · supplemental task
Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.AI can speed this up with extra software · supplemental task · Seen in real AI use
Review individual or commercial customer files to identify and select delinquent accounts for collection.AI can speed this up with extra software · supplemental task
Confer with credit association and other business representatives to exchange credit information.AI can speed this up with extra software · supplemental task

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Questions about credit analysts and AI

Will AI replace credit analysts?

Not entirely. Parts of the job are likely to change as AI takes over routine tasks. Credit Analysts score 56 out of 100 (elevated exposure), #133 of 923 US jobs. AI could speed up 11 of the job's 11 tasks, 1 of them on its own. Exposure means the work is likely to change, not that the job will disappear.

Which credit analysts tasks can AI do?

The most exposed tasks include "Generate financial ratios, using computer programs, to evaluate customers' financial status".

Which credit analysts tasks are hardest for AI?

Every task in this job has some AI exposure, though 10 of them need extra software built around the AI.

Are people already using AI for this work?

Yes. In April–May 2026, 4 of the 11 tasks showed up in real conversations with Claude, according to the Anthropic Economic Index.

How many people work as credit analysts, and what do they earn?

About 64,390 people in the US, with median pay of $83,510 a year (BLS, May 2025).

How to read this score. Exposure measures how much of the work AI could speed up, not whether the job will disappear. A highly exposed job can change shape, with people spending less time on routine tasks and more on the rest. The score counts tasks AI can speed up on its own in full, and tasks that need extra software at half weight.

The ratings come from published research based on GPT-4 (2023). To show what's happening now, each task is also checked against the latest Anthropic Economic Index, which records which tasks people actually use AI for. That data is refreshed automatically when Anthropic publishes a new release. Read the full method.