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13-2041.00

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.

9.4OUT OF 10SAFEHIGH RISK
High Risk

The bots have your desk already — start pivoting

Top 1% most at-risk occupations we track

Frey & Osborne (2013) estimated 98% probability of automation for this role
paper →
Top 1%
most at-risk
0
jobs riskier than this
-4.4%
projected growth

Disruption Vector

Disruption Type

Software & AI

AI software systems—language models, automation tools, and intelligent algorithms—are the primary vector of disruption for this role.

Credit Analysts face direct automation pressure from ML-based underwriting platforms (Zest AI, Upstart, Moody's CreditLens) that process financial statements, assess default probability, and generate credit memos faster and more consistently than human analysts. Routine consumer and small-business credit decisions are increasingly fully automated. Resilient work is in complex commercial lending, structured finance, and situations requiring qualitative judgment about management teams and business models—tasks where AI still requires human review through 2027.

Disrupted byGitHub CopilotChatGPT / GPT-4oSalesforce Einstein

Salary & Job Outlook

Median Annual Pay
$80,970
US Bureau of Labor Statistics
10-Year Job Growth
-4.4%
Little or no change
Education Required
Bachelor's degree
Job Zone 4 / 5

AI Risk Timeline

9.4
10.0
10.0
10.0
Today
5 Years
10 Years
20 Years

Projection model: Based on current AI capability growth rates. High-risk occupations are projected to see compounding automation pressure, while human-centric roles show slower risk accumulation. These are statistical projections, not guarantees.

Skills Analysis — AI Vulnerability

AI can replicate (0)
AI-resistant (1)
Mixed
Critical Thinking80%
Active Learning75%
Complex Problem Solving78%
Judgment and Decision Making82%
Reading Comprehension72%

Career Pivot Paths

If you're a Credit Analysts, consider pivoting toward these lower-risk roles:

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Credit Analysts

9.4
/ 10
High Risk
94% automation risk

"Your job is so automatable, AI finished this analysis before you loaded the page."

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I just checked if I'm cooked as a Credit Analysts 🤖 AI risk score: 9.4/10 — High Risk "Your job is so automatable, AI finished this analysis before you loaded the page." Check yours 👇 https://amicooked-five.vercel.app/results/13-2041.00 #AmICooked #AI #FutureOfWork

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CREDIT ANALYSTS
9.4

/ 10

HIGH RISK

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You're more at risk than a Education and Childcare Administrators, Preschool and Daycare (score: 1.6). Maybe it's time to rethink.

This analysis is for informational purposes only and is based on statistical models and academic research. It does not constitute career advice and is not a guarantee of future employment outcomes. AI impact varies significantly by employer, region, and individual circumstances. Learn about our methodology →