Credit Analyst
| Median wage (USD) | 83510 |
|---|---|
| Projected employment growth (%) | -4 |
| AI exposure (%) | 56 |
| Maximum exposure (%) | 89 |
| Source | eloundou |
| What AI changes in this occupation | Ratio calculation, financial statement analysis and risk report writing are automated Assembling the credit file and benchmarking against similar borrowers move to AI assistance, under supervision The lending decision, the recommendation to the loan committee and the client relationship remain human |
| Key skills | Augmented credit analysis · AI-assisted financial statement reading and ratio analysis · risk modelling and credit scoring · data tools (Excel, SQL, Python) · credit memo writing and reporting · client relationships and payment plan negotiation |
| Courses to get ahead | Credit Risk Management: Frameworks and Strategies · Coursera · 4 weeks, 3-4 hours per week · 93 · The core of the job: building a risk analysis from financial statements and industry analysis, then defending a recommendation. That is the work AI prepares and you sign. Accounting Analytics · Coursera · 4 weeks, 3-5 hours per week · 90 · Financial statement and ratio analysis reduced to its tooled part: you learn to make the numbers talk and to spot the signals, instead of transcribing them. Python and Statistics for Financial Analysis · Coursera · 4 weeks, 3-4 hours per week · 87 · The gesture that changes: computing and testing ratios in code rather than by hand, so your time goes to interpretation and the decision. Introduction to Corporate Finance · Coursera · 4 weeks, 3-5 hours per week · 84 Accounting: Principles of Financial Accounting · Coursera · 4 weeks, 3-5 hours per week · 80 Generative AI for Everyone · Coursera · 3 weeks, 1-2 hours per week · 76 |
| Occupations to pivot toward | Financial Analyst · 103570 · 7 · 50 Financial Examiner · 94160 · 9 · 58 Loan Officer · 76690 · 1 · 65 |
| Skills to acquire for the pivot | Eloundou measures this occupation's exposure at 56% (human β) and up to 89% (human ζ): credit data analysis, ratio calculation, risk report preparation, benchmarking against similar establishments and collection follow-ups are largely delegable to AI, but submitting the file to the loan committee, assessing a payment plan, handling an unhappy customer and exchanging information with credit associations remain human. The ζ of 89% says close to nine tenths of the job are at least partly transformable; the β of 56% says that today AI does more than half of it without supervision. Within the repository, the credit analyst sits above the accountant and auditor (52), the insurance underwriter (50) and the financial analyst (50), above the actuary (54), but behind the compliance officer (61) and the mortgage loan officer (65): this is the signature of a file-based job, where what gets automated is reading financial statements, calculating and drafting, and what resists is the signed recommendation and the client relationship. Method note: O*NET (13-2041.00 "Credit Analysts") lists only eleven tasks for this occupation — far fewer than most cards in the repository — the most important being analysing credit data and financial statements (98/100) and submitting loan applications to the loan committee (94/100); the exposed/resistant split follows those importance scores. The GPT-4 self-rated series (β 56, ζ 100) is kept in expositionGpt4 and is not displayed, in line with the decision of 21 August 2026. BLS projects a 4% decline from 2025 to 2035 for credit analysts (SOC 13-2041): their 64,700 jobs in 2025 would fall by 2,800, making this one of the repository's occupations whose employment is projected to shrink. The occupation has no dedicated Occupational Outlook Handbook page: the figures come from the same OOH's "Data for occupations not covered in detail" page, which publishes 2025 employment and the projection, and from the May 2025 OEWS survey for the wage. For comparison, all occupations grow 3% over the same period, and the "business and financial occupations" group this job belongs to is projected to grow faster than average according to its group page. This card's three pivots show the possible directions: the financial analyst (+7%) and the financial examiner (+9%) grow clearly, while the loan officer follows at +1%. The credit analyst's median salary is $83,510 a year: the May 2025 figure from the BLS OEWS survey, published on the Occupational Outlook Handbook page for occupations not covered in detail (code 13-2041). That page publishes neither an hourly rate nor percentiles for this occupation — so the card shows no 10th and 90th percentile, unlike occupations covered in detail, and no value was estimated to fill that gap. For context: all occupations stand at $50,980 and the "business and financial occupations" group at $82,660 — so the credit analyst is level with the group and well above the overall median. The three pivots bracket the card: loan officer $76,690, financial examiner $94,160, financial analyst $103,570 (the median on the OOH "Financial Analysts" page, which also covers financial risk specialists at $117,330; financial and investment analysts alone stand at $102,740). |
| GPT-4 exposure — beta / zeta (%) | 56 · 100 |