Business & Finance · SOC 13-2041
Credit analysis is highly structured and data-driven — AI already performs the core analytical work at scale with higher accuracy.
Core tasks are highly automatable — expect major disruption.
Timeline: AI credit scoring models already outperform human analysts on standard consumer and SMB loans; this role will contract sharply by 2027–2028, surviving mainly in complex commercial or structured credit.
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$106,000 median pay
$76,790 median pay
$77,070 median pay
$59,740 median pay
Business & Finance
$87,930 median pay
AI job-risk card
Credit Analysts is high risk on AIFear. Core tasks are highly automatable — expect major disruption.
AIFear.com
Our AI Fear Score for Credit Analysts is 88/100 (High risk). Core tasks are highly automatable — expect major disruption.
88 out of 100, based on an AI-model review of this occupation's O*NET tasks against what current AI can actually do.
Most exposed: Analyzing credit data and financial statements for risk scoring, Generating financial ratios and creditworthiness metrics, Preparing standardized credit risk reports, Comparing borrower profiles against industry benchmarks, Completing and submitting loan application documentation.
Lean into AI credit modeling oversight, Financial statement interpretation, Regulatory compliance for lending, Complex credit structuring. Consider roles such as Commercial credit relationship manager or Credit risk model validator or Structured finance specialist.
Tasks, skills and AI-exposure for this role were reviewed by an AI model against its O*NET task profile (curated roles use published research anchors). Pay and employment, where shown, are U.S. BLS OEWS (May 2024) figures. This is an estimate, not a prediction about any individual's job. Compare all occupations.