AI exposure by occupation, O*NET 13-2041.00

Will AI replace Credit Analysts?

Credit Analysts: AI can already handle 5 of 11 tasks; the work mostly needs a standard-tier model.

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Every task, scored

The 11 tasks O*NET 30.3 lists for Credit Analysts, from most to least exposed. 5 reach 60 or more, the level at which AI already handles a task.

Task AI exposure Evidence Model tier Importance
Consult with customers to resolve complaints and verify financial and credit transactions. 80 Estimated Efficient 3.1
Prepare reports that include the degree of risk involved in extending credit or lending money. 75 Estimated Efficient 4.5
Generate financial ratios, using computer programs, to evaluate customers' financial status. 65 Estimated Standard 4.5
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations. 65 Estimated Standard 4.3
Review individual or commercial customer files to identify and select delinquent accounts for collection. 65 Estimated Standard 3.3
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. 55 Estimated Standard 4.9
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval. 55 Estimated Efficient 4.8
Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans. 55 Estimated Standard 4.5
Contact customers to collect payments on delinquent accounts. 55 Estimated Frontier 4.0
Confer with credit association and other business representatives to exchange credit information. 55 Estimated Standard 3.1
Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity. 40 Observed Efficient 3.7

Observed: scored from AI use recorded in the Anthropic Economic Index (June 2026 release), 1 of 11 tasks. Estimated: scored from the task's O*NET 30.3 work activity, 10 of 11. Importance is O*NET's 1 to 5 rating of how central the task is. Model tier is the lowest tier that can do the task under the published rubric; "No tier" marks hands-on work.

The model tier this role needs

A standard-tier model or lower covers 91% of the role's importance-weighted task work. 100% of the work is something AI can address at some tier.

Efficient, standard and frontier tiers come from the JobRoute model tier reference. The recommended tier is the lowest one that covers 80% of the work AI can address. How the method works.

Wages, employment and outlook

US employment
64,390
Median annual wage
$83,510
Middle half of earners
$65,210 to $122,460
Projected change, 2024 to 2034
-4.4%

Employment and wages: BLS Occupational Employment and Wage Statistics, May 2025, national. Projection: BLS Employment Projections 2024 to 2034.

Adjacent roles

The occupations that reuse the most of this role's skills, with the usual time to move. These are the first places to look when you plan to redeploy or retrain people in this role.

Skill overlap and transition time from the JobRoute role adjacency graph on O*NET 30.3 skills.

Questions about Credit Analysts and AI

Will AI replace Credit Analysts?

AI already handles 5 of the 11 tasks O*NET lists for this occupation, at a task exposure of 60 or more, and the role's importance-weighted exposure is 60 out of 100. JobRoute scores tasks, not whole jobs, so the score shows how much of the work changes rather than whether the job disappears. BLS projects employment to change by -4.4% from 2024 to 2034.

What is the AI exposure of Credit Analysts?

60 out of 100 on JobRoute's task exposure measure, the importance-weighted average of the role's O*NET task scores. Higher means more of the work is AI-doable today. 1 of the 11 task scores are observed in the Anthropic Economic Index (June 2026 release), and the other 10 are estimated from each task's O*NET work activity.

Which Credit Analysts tasks can AI already do?

The tasks with the highest exposure are: 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; Generate financial ratios, using computer programs, to evaluate customers' financial status. They are three of the 5 tasks that reach 60 or more.

What AI model tier does this role need?

A standard-tier model or lower covers 91% of the role's importance-weighted task work. JobRoute assigns each task the lowest tier that can do it under a published rubric and recommends the lowest tier that covers 80% of the work AI can address.

How many people work as Credit Analysts, and what do they earn?

64,390 people in the United States, with a median annual wage of $83,510 (BLS Occupational Employment and Wage Statistics, May 2025). BLS Employment Projections expect a change of -4.4% from 2024 to 2034.

How to cite

Data version 2026-11-02, JobRoute method v1.0.0. Download all occupations or this occupation as JSON. Methodology.

JobRoute (2026). AI exposure: Credit Analysts. Data version 2026-11-02, method v1.0.0. Built on O*NET 30.3, BLS OEWS May 2025 and the Anthropic Economic Index (June 2026). CC BY 4.0. https://www.jobroute.ai/jobs/credit-analysts

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