# 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.

- **SOC code:** 13-2041.00
- **Canonical URL:** https://singulariki.com/roles/role-13-2041-00
- **Also known as:** Credit Administrator, Credit Analyst, Credit Officer, Credit Representative, Credit Risk Analyst, Credit and Collections Analyst, Municipal Fixed Income Analyst, Commercial Credit Analyst
- **Frame:** "AI exposure" means task overlap (how codifiable the work is), not jobs lost or a forecast. Every figure below is traced to a named public dataset.

## What this work is

**Core tasks** (O*NET):
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
- 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.
- Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
- Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
- Contact customers to collect payments on delinquent accounts.
- Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.
- Review individual or commercial customer files to identify and select delinquent accounts for collection.
- Confer with credit association and other business representatives to exchange credit information.
- Consult with customers to resolve complaints and verify financial and credit transactions.

## Skills, tools, capabilities

**Knowledge, skills & abilities** (O*NET, highest importance first):
- Economics and Accounting _(knowledge)_
- Oral Expression _(ability)_
- Mathematics _(knowledge)_
- English Language _(knowledge)_
- Critical Thinking _(essential_skill)_
- Oral Comprehension _(ability)_
- Written Comprehension _(ability)_
- Inductive Reasoning _(ability)_
- Problem Sensitivity _(ability)_
- Deductive Reasoning _(ability)_
- Mathematical Reasoning _(ability)_
- Number Facility _(ability)_

**Skills in demand:**
- Mathematics _(Common Skill)_
- English Language _(Common Skill)_
- Inductive Reasoning _(Common Skill)_
- Critical Thinking _(Common Skill)_
- Deductive Reasoning _(Common Skill)_
- Reading Comprehension _(Common Skill)_
- Information Ordering _(Specialized Skill)_
- Active Learning _(Common Skill)_
- Microsoft Word _(Common Skill)_
- Microsoft PowerPoint _(Common Skill)_
- Microsoft Outlook _(Common Skill)_
- Microsoft Excel _(Common Skill)_

**Tools & technology:**
- Microsoft Excel _(hot technology, in demand)_
- Microsoft Office software _(hot technology, in demand)_
- Microsoft Outlook _(hot technology, in demand)_
- Microsoft PowerPoint _(hot technology, in demand)_
- Microsoft Word _(hot technology, in demand)_
- Microsoft SQL Server _(hot technology)_
- Microsoft Visual Basic _(hot technology)_
- Microsoft Visual Basic for Applications VBA _(hot technology)_
- Python _(hot technology)_
- SAP software _(hot technology)_
- SAS _(hot technology)_
- Structured query language SQL _(hot technology)_

## AI exposure & outlook

- **AI task-overlap index:** 83rd percentile (High) across all occupations — composite of current-era exposure studies (ai-exposure-index-v1).
- **Overall AI exposure (Felten et al.):** 91st percentile (High) — source: felten_aioe.
- **LLM task exposure, γ (OpenAI / Eloundou):** 95th percentile (High) — source: eloundou_gamma.
- **AI assistant applicability (Microsoft):** 55th percentile (Moderate) — source: microsoft_applicability.
- **Frey–Osborne (2013, historical computerization estimate):** 97th percentile — kept separate from current-era studies.
- **Remote-capable (Dingel–Neiman):** yes — task structure, not who actually works remote.
- **Projected employment (BLS 2024–34):** -4.4% growth (Declining); 3.7k annual openings; 67.8k → 64.8k jobs.
- **Pay & employment (BLS OEWS, May 2024):** median $80,970; 67,370 employed.

## How people actually use AI here

Anthropic Economic Index — measured AI conversations mapped to this occupation's tasks:

- **Automation vs augmentation:** 35% automation, 33% augmentation (usage-weighted).
- **Autonomy median:** 4.0 (higher = AI acts more independently).
- **Dominant collaboration mode:** directive.

**Tasks most handed to AI here:**
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. _(0.5% of measured AI use; directive)_

**Example prompts (honest phrasings of the tasks above — starting points, not endorsed instructions):**
- Help me analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.

## Sources

- **O*NET** (30.3) — U.S. Department of Labor / National Center for O*NET Development. https://www.onetcenter.org/database.html
- **BLS Occupational Employment and Wage Statistics (OEWS)** (May 2024) — U.S. Bureau of Labor Statistics. https://www.bls.gov/oes/
- **BLS Employment Projections** (2024–2034) — U.S. Bureau of Labor Statistics. https://www.bls.gov/emp/
- **Anthropic Economic Index** (v4 (2026-01-15) + v2 (2025-03-27)) — Anthropic. https://www.anthropic.com/economic-index
- **Microsoft “Working with AI”** (working-with-ai) — Microsoft Research. https://www.microsoft.com/en-us/research/
- **“GPTs are GPTs” (Eloundou et al.)** (arXiv 2303.10130) — OpenAI / academic. https://arxiv.org/abs/2303.10130
- **AI Occupational Exposure (AIOE)** (Felten, Raj & Seamans) — academic. https://github.com/AIOE-Data/AIOE
- **Frey & Osborne (2013)** (frey-osborne-automation) — academic. https://www.oxfordmartin.ox.ac.uk/publications/the-future-of-employment/
- **Dingel & Neiman (2020)** (dingel-neiman-workathome) — academic. https://github.com/jdingel/DingelNeiman-workathome

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_Generated from Singulariki's joined dataset; data snapshot 2026-06-02T21:00:32.945303+00:00. https://singulariki.com/roles/role-13-2041-00_