Business & Finance · Updated Aug 2026

Credit Analysts

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.

JVS 2.0.0-phase4b
AI Exposure
79/100
Very high

How much of this occupation’s work can be materially affected by current AI systems.

Replacement Risk
74/100
High

How likely exposure is to translate into reduced human demand.

Includes provisional estimates for AI adoption pressure and labour-market resilience. How this is measured

Evidence quality
Confidence83/100
Task coverage86%

Confidence reflects task coverage, mapping and capability-evidence quality, and how much of the score rests on provisional inputs.

Task-level evidence

What is driving the score?

Occupation scores are built from the task mix—not a single prediction about a job title.

JVS 2.0.0-phase4b
TaskImportanceAI impactExposure
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.High
79
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.High
81
Generate financial ratios, using computer programs, to evaluate customers' financial status.High
78
Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.High
79
Prepare reports that include the degree of risk involved in extending credit or lending money.High
81
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.High
80
Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.Medium
76
Most exposed

Where AI can do more

Routine, digitized, and highly repeatable tasks face the greatest pressure.

  1. Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.81
  2. Prepare reports that include the degree of risk involved in extending credit or lending money.81
  3. Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.80
  4. Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.79
Hardest to automate

Where people still matter

These tasks score lowest on automation feasibility—physical presence, judgement, accountability and real-world variability all resist end-to-end automation.

  1. Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.01
  2. Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.02
  3. Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.03
  4. Generate financial ratios, using computer programs, to evaluate customers' financial status.04
  5. Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.05
Where else this work leads

Related occupations

Occupations O*NET links to this one. Relatedness reflects shared work, not a claim that these roles are safer.

See all rankings →
Beyond AI capability

Adoption and labour-market outlook

Structural factors are kept separate from raw capability so you can see what actually resists automation. Adoption pressure and labour-market resilience are still provisional models—25% of this occupation’s replacement-risk weight rests on them.

Human dependency53
Physical dependency13
Adoption pressure62
Labour-market resilience46
Methodology & sources

O*NET 30.3 occupational data interpreted through the JobsVsAI capability, automation and structural-constraint models.

Confidence83/100
CalculatedAug 21, 2026
Read methodology →