# 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.
- **Entity Type:** role
- **Schema Version:** role.v1
- **Soc Code:** 13-2041.00
- **Summary:** 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.

## Aliases

- Credit Administrator
- Credit Analyst
- Credit Officer
- Credit Representative
- Credit Risk Analyst
- Credit and Collections Analyst
- Municipal Fixed Income Analyst
- Commercial Credit Analyst
- Commercial Credit Manager
- Credit Assessment Analyst
- Credit Assistant Manager
- Credit Coordinator

## Tasks

| Text | Type | Iwa |
| --- | --- | --- |
| Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. | Core | 4.A.2.a.4.c |
| Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval. | Core | 4.A.3.b.6.m |
| Prepare reports that include the degree of risk involved in extending credit or lending money. | Core | 4.A.3.b.6.a |
| Generate financial ratios, using computer programs, to evaluate customers' financial status. | Core | 4.A.2.a.4.g |
| Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans. | Core | 4.A.2.a.4.k |
| Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations. | Core | 4.A.2.a.4.b |
| Contact customers to collect payments on delinquent accounts. | Supplemental | 4.A.4.c.3.d |
| Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity. | Supplemental | 4.A.2.a.1.i |
| Review individual or commercial customer files to identify and select delinquent accounts for collection. | Supplemental | 4.A.2.a.3.c |
| Confer with credit association and other business representatives to exchange credit information. | Supplemental | 4.A.4.b.1.c |
| Consult with customers to resolve complaints and verify financial and credit transactions. | Core | 4.A.4.a.8.c |

## Emerging Tasks


## Activities

| Name | Iwa |
| --- | --- |
| Assess risks to business operations. | 4.A.2.a.4.c |
| Analyze business or financial data. | 4.A.2.a.4.k |
| Prepare financial documents, reports, or budgets. | 4.A.3.b.6.a |
| Assess financial status of clients. | 4.A.2.a.1.i |
| Advise others on financial matters. | 4.A.4.b.6.k |
| Confer with others about financial matters. | 4.A.4.b.1.c |
| Prepare contracts or other transaction documents. | 4.A.3.b.6.m |
| Calculate data to inform organizational operations. | 4.A.2.a.4.g |
| Examine financial records. | 4.A.2.a.3.c |
| Analyze market conditions or trends. | 4.A.2.a.4.b |
| Correspond with customers to answer questions or resolve complaints. | 4.A.4.a.8.c |
| Collect payments for goods or services. | 4.A.4.c.3.d |

## Capabilities

| Name | Family | Value |
| --- | --- | --- |
| Economics and Accounting | knowledge | 4.5 |
| Oral Expression | ability | 4 |
| Mathematics | knowledge | 3.9 |
| English Language | knowledge | 3.9 |
| Critical Thinking | essential_skill | 3.88 |
| Oral Comprehension | ability | 3.88 |
| Written Comprehension | ability | 3.88 |
| Inductive Reasoning | ability | 3.88 |
| Problem Sensitivity | ability | 3.75 |
| Deductive Reasoning | ability | 3.75 |
| Mathematical Reasoning | ability | 3.75 |
| Number Facility | ability | 3.75 |
| Reading Comprehension | essential_skill | 3.62 |
| Speaking | essential_skill | 3.62 |
| Active Learning | essential_skill | 3.62 |
| Information Ordering | ability | 3.62 |
| Near Vision | ability | 3.62 |
| Active Listening | essential_skill | 3.5 |
| Mathematics | essential_skill | 3.38 |
| Written Expression | ability | 3.38 |
| Law and Government | knowledge | 3.28 |
| Speech Recognition | ability | 3.25 |
| Writing | essential_skill | 3.12 |
| Judgment and Decision Making | transferable_skill | 3.12 |
| Category Flexibility | ability | 3.12 |
| Speech Clarity | ability | 3.12 |
| Monitoring | essential_skill | 3 |
| Social Perceptiveness | transferable_skill | 3 |
| Service Orientation | transferable_skill | 3 |
| Complex Problem Solving | transferable_skill | 3 |
| Time Management | transferable_skill | 3 |
| Administrative | knowledge | 3 |
| Flexibility of Closure | ability | 3 |
| Perceptual Speed | ability | 3 |
| Fluency of Ideas | ability | 2.88 |
| Selective Attention | ability | 2.88 |
| Customer and Personal Service | knowledge | 2.85 |
| Computers and Electronics | knowledge | 2.85 |
| Administration and Management | knowledge | 2.8 |
| Systems Analysis | transferable_skill | 2.75 |

## Skills

| Name | Type |
| --- | --- |
| 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 |
| Active Listening | Common Skill |
| Speech Recognition | Specialized Skill |
| Writing | Common Skill |
| Time Management | Common Skill |
| Social Perceptiveness | Common Skill |
| Complex Problem Solving | Common Skill |
| Systems Analysis | Specialized Skill |
| Negotiation | Common Skill |
| Learning Strategies | Specialized Skill |
| Instructing | Specialized Skill |
| Oracle Business Intelligence Enterprise Edition | Specialized Skill |
| Microsoft Dynamics | Specialized Skill |
| Finger Dexterity | Common Skill |
| Visualization | Specialized Skill |
| Geography | Specialized Skill |
| Telecommunications | Specialized Skill |
| Psychology | Specialized Skill |
| Depth Perception | Common Skill |
| Foreign Language | Common Skill |
| Physics | Specialized Skill |
| Chemistry | Specialized Skill |
| Biology | Specialized Skill |
| Presentation Software | Specialized Skill |
| Installation | Specialized Skill |
| Financial Analysis Software | Specialized Skill |
| Equipment Selection | Specialized Skill |
| Equipment Maintenance | Specialized Skill |

## Tools

| Example | Category | Hot | In Demand |
| --- | --- | --- | --- |
| Microsoft Excel | Spreadsheet software | yes | yes |
| Microsoft Office software | Office suite software | yes | yes |
| Microsoft Outlook | Electronic mail software | yes | yes |
| Microsoft PowerPoint | Presentation software | yes | yes |
| Microsoft Word | Word processing software | yes | yes |
| Microsoft SQL Server | Data base user interface and query software | yes | no |
| Microsoft Visual Basic | Development environment software | yes | no |
| Microsoft Visual Basic for Applications VBA | Development environment software | yes | no |
| Python | Object or component oriented development software | yes | no |
| SAP software | Enterprise resource planning ERP software | yes | no |
| SAS | Analytical or scientific software | yes | no |
| Structured query language SQL | Data base user interface and query software | yes | no |
| CGI-AMS BureauLink Enterprise | Information retrieval or search software | no | no |
| CGI-AMS CACS Enterprise | Financial analysis software | no | no |
| CGI-AMS Strata | Financial analysis software | no | no |
| Credit adjudication and lending management system CALMS | Document management software | no | no |
| Credit and risk analysis software | Financial analysis software | no | no |
| Credit fraud detection software | Financial analysis software | no | no |
| Dun and Bradstreet Global DecisionMaker | Financial analysis software | no | no |
| eCredit Enterprise | Financial analysis software | no | no |
| Equifax Advanced Decisioning | Financial analysis software | no | no |
| Equifax Application Engine | Content workflow software | no | no |
| Equifax InterConnect | Financial analysis software | no | no |
| Experian Credinomics | Financial analysis software | no | no |
| Experian Detect | Financial analysis software | no | no |
| Experian FraudShield | Financial analysis software | no | no |
| Experian Quest | Financial analysis software | no | no |
| Experian Retention Triggers | Financial analysis software | no | no |
| Experian Strategy Management | Office suite software | no | no |
| Experian Transact SM | Content workflow software | no | no |
| Fair Isaac Application Risk Model Software | Financial analysis software | no | no |
| Fair Isaac Capstone Decision Manager | Financial analysis software | no | no |
| Fair Isaac Falcon ID | Financial analysis software | no | no |
| Microsoft Dynamics | Enterprise resource planning ERP software | no | no |
| Moody's KMV CreditEdge | Financial analysis software | no | no |
| Moody's KMV Decisions | Financial analysis software | no | no |
| Moody's KMV Financial Analyst | Financial analysis software | no | no |
| Moody's KMV Risk Advisor | Financial analysis software | no | no |
| Moody's KMV Risk Analyst | Financial analysis software | no | no |
| Oracle Business Intelligence Enterprise Edition | Business intelligence and data analysis software | no | no |

## Work Context

| Name | Value |
| --- | --- |
| E-Mail | 5 |
| Indoors, Environmentally Controlled | 5 |
| Spend Time Sitting | 4.85 |
| Telephone Conversations | 4.68 |
| Face-to-Face Discussions with Individuals and Within Teams | 4.68 |
| Importance of Being Exact or Accurate | 4.5 |
| Determine Tasks, Priorities and Goals | 4.2 |
| Time Pressure | 4.2 |
| Importance of Repeating Same Tasks | 4.1 |
| Written Letters and Memos | 4.05 |
| Freedom to Make Decisions | 3.75 |
| Contact With Others | 3.7 |
| Frequency of Decision Making | 3.7 |
| Work With or Contribute to a Work Group or Team | 3.39 |
| Impact of Decisions on Co-workers or Company Results | 3.35 |
| Level of Competition | 3.15 |
| Spend Time Making Repetitive Motions | 3.05 |
| Physical Proximity | 2.8 |
| Consequence of Error | 2.6 |
| Conflict Situations | 2.5 |
| Exposed to Sounds, Noise Levels that are Distracting or Uncomfortable | 2.45 |
| Deal With External Customers or the Public in General | 2.4 |
| Coordinate or Lead Others in Accomplishing Work Activities | 2.4 |
| Degree of Automation | 2.4 |
| Public Speaking | 2.35 |
| Work Outcomes and Results of Other Workers | 2.05 |
| Dealing With Unpleasant, Angry, or Discourteous People | 2 |
| Spend Time Using Your Hands to Handle, Control, or Feel Objects, Tools, or Controls | 1.85 |
| Spend Time Standing | 1.63 |
| Health and Safety of Other Workers | 1.4 |
| In an Enclosed Vehicle or Operate Enclosed Equipment | 1.35 |
| Spend Time Walking or Running | 1.3 |
| Exposed to Extremely Bright or Inadequate Lighting Conditions | 1.2 |
| Spend Time Bending or Twisting Your Body | 1.2 |
| Outdoors, Exposed to All Weather Conditions | 1.16 |
| Exposed to Cramped Work Space, Awkward Positions | 1.11 |
| Indoors, Not Environmentally Controlled | 1.05 |
| Outdoors, Under Cover | 1.05 |
| Exposed to Very Hot or Cold Temperatures | 1.05 |
| Exposed to Contaminants | 1.05 |

## Preparation

- **Job Zone:** 4
- **Job Zone Name:** Job Zone Four: Considerable Preparation Needed
- **Education:** Most of these occupations require a four-year bachelor's degree, but some do not.
- **Experience:** A considerable amount of work-related skill, knowledge, or experience is needed for these occupations. For example, an accountant must complete four years of college and work for several years in accounting to be considered qualified.
- **Svp Range:** (7.0 to < 8.0)

### Education Distribution

| Label | Percentage |
| --- | --- |
| Bachelor's Degree | 95 |
| Master's Degree | 5 |

## Person Fit

| Name | Family | Value |
| --- | --- | --- |
| Conventional | career_interest_type | 6.85 |
| Finance | specific_interest_area | 6.19 |
| Office Work | specific_interest_area | 5.46 |
| Accounting | specific_interest_area | 5.42 |
| Dependability | work_style | 5 |
| Enterprising | career_interest_type | 4.55 |
| Attention to Detail | work_style | 4 |
| Investigative | career_interest_type | 3.79 |
| Mathematics/Statistics | specific_interest_area | 3.71 |
| Integrity | work_style | 3 |
| Management/Administration | specific_interest_area | 2.73 |
| Cautiousness | work_style | 2.47 |
| Social | career_interest_type | 2.41 |
| Business Initiatives | specific_interest_area | 2.3 |
| Law | specific_interest_area | 2.28 |
| Information Technology | specific_interest_area | 2.2 |

## Related Roles

| Soc Code | Slug | Title | Tier |
| --- | --- | --- | --- |
| 43-4041.00 | role-43-4041-00 | Credit Authorizers, Checkers, and Clerks | Primary-Short |
| 13-2072.00 | role-13-2072-00 | Loan Officers | Primary-Short |
| 43-4131.00 | role-43-4131-00 | Loan Interviewers and Clerks | Primary-Short |
| 13-2071.00 | role-13-2071-00 | Credit Counselors | Primary-Short |
| 13-2051.00 | role-13-2051-00 | Financial and Investment Analysts | Primary-Short |
| 13-2052.00 | role-13-2052-00 | Personal Financial Advisors | Primary-Long |
| 13-2054.00 | role-13-2054-00 | Financial Risk Specialists | Primary-Long |
| 13-2011.00 | role-13-2011-00 | Accountants and Auditors | Primary-Long |
| 13-2061.00 | role-13-2061-00 | Financial Examiners | Primary-Long |
| 41-3031.00 | role-41-3031-00 | Securities, Commodities, and Financial Services Sales Agents | Primary-Long |
| 43-3011.00 | role-43-3011-00 | Bill and Account Collectors | Supplemental |
| 11-3031.00 | role-11-3031-00 | Financial Managers | Supplemental |

## Career Clusters

| Cluster | Slug |
| --- | --- |
| Financial Services | financial-services |

## Education Level

- **Category:** Bachelor's degree

## Study Programs

| Title | Slug |
| --- | --- |
| Business, Management, Marketing, and Related Support Services | business-management-marketing-and-related-support-services |

## Market

- **Median Wage:** 80970
- **Mean Wage:** 98040
- **Pct10Wage:** 52930
- **Pct25Wage:** 63850
- **Pct75Wage:** 113850
- **Pct90Wage:** 168840
- **Employment:** 67370
- **Area Title:** U.S.

## Industries


### Top

| Naics | Slug | Title | Level | Employment | Median Wage | Lq |
| --- | --- | --- | --- | --- | --- | --- |
| 52 | 52 | Finance and Insurance | Sector | 48610 | 82170 | 17.87 |
| 55 | 55 | Management of Companies and Enterprises | Sector | 7720 | 81730 | 6.29 |
| 42 | 42 | Wholesale Trade | Sector | 2630 | 67490 | 1 |
| 56 | 56 | Administrative and Support and Waste Management and Remediation Services | Sector | 2000 | 87940 | 0.51 |
| 44-45 | 44-45 | Retail Trade | Sector | 1330 | 74790 | 0.2 |
| 54 | 54 | Professional, Scientific, and Technical Services | Sector | 1290 | 70330 | 0.27 |
| 31-33 | 31-33 | Manufacturing | Sector | 1200 | 67980 | 0.22 |
| 51 | 51 | Information | Sector | 1140 | 64180 | 0.9 |
| 524210 | 524210 | Insurance Agencies and Brokerages | National industry | 360 | 85970 | 0.83 |
| 48-49 | 48-49 | Transportation and Warehousing | Sector | 330 | 66950 | 0.1 |
| 53 | 53 | Real Estate and Rental and Leasing | Sector | 260 | 80660 | 0.25 |
| 561320 | 561320 | Temporary Help Services | National industry | 200 | 57620 | 0.17 |

### Concentrated

| Naics | Slug | Title | Level | Employment | Lq |
| --- | --- | --- | --- | --- | --- |
| 52 | 52 | Finance and Insurance | Sector | 48610 | 17.87 |
| 55 | 55 | Management of Companies and Enterprises | Sector | 7720 | 6.29 |
| 42 | 42 | Wholesale Trade | Sector | 2630 | 1 |
| 51 | 51 | Information | Sector | 1140 | 0.9 |
| 524210 | 524210 | Insurance Agencies and Brokerages | National industry | 360 | 0.83 |
| 22 | 22 | Utilities | Sector | 130 | 0.51 |
| 56 | 56 | Administrative and Support and Waste Management and Remediation Services | Sector | 2000 | 0.51 |
| 54 | 54 | Professional, Scientific, and Technical Services | Sector | 1290 | 0.27 |
- **Count:** 22

## Ai Signals

| Source | Label | Score | Scale | Release |
| --- | --- | --- | --- | --- |
| frey_osborne | Computerization probability | 0.98 | 0-1 probability | 2013-baseline-2016-employment-snapshot |
| felten_aioe | AI occupational exposure | 1.345268 | relative exposure score | 2021-plus-generative-ai-workbooks |
| felten_image_generation_aioe | Image generation occupational exposure | 1.176388 | relative exposure score | 2021-plus-generative-ai-workbooks |
| felten_language_modeling_aioe | Language modeling occupational exposure | 1.092495 | relative exposure score | 2021-plus-generative-ai-workbooks |

## Ai Outlook


### Index

- **Value:** 80
- **Percentile:** 83
- **Band:** High
- **Version:** ai-exposure-index-v1

#### Components

| Percentile | Source |
| --- | --- |
| 91 | felten_aioe |
| 95 | openai_gpts_are_gpts |
| 55 | microsoft_working_with_ai |
- **Component Count:** 3

### Exposure

| Source | Label | Value | Percentile | Band | Note |
| --- | --- | --- | --- | --- | --- |
| felten_aioe | Overall AI exposure (Felten et al.) | 1.345268 | 91 | High | How much this job's abilities overlap with what AI systems can do, across many AI capabilities. A relative research score, not a forecast of job loss. |
| eloundou_gamma | LLM task exposure, γ (OpenAI / Eloundou) | 1 | 95 | High | Share of this job's tasks where a large language model plus simple tools could cut the time to do them by at least half. γ is capped at 1.0 and many jobs reach that ceiling, so treat a top score as 'in the top group', not a precise rank. |
| microsoft_applicability | AI assistant applicability (Microsoft) | 0.1616323362699462 | 55 | Moderate | How applicable today's AI assistants are to this job's activities, measured from real Microsoft Copilot conversations. Applicability is not the same as replacement. |

### Frey Historical

- **Source:** frey
- **Label:** Computerization probability (Frey & Osborne, 2013)
- **Value:** 0.98
- **Percentile:** 97
- **Band:** High
- **Note:** A pre-LLM (2013) estimate of how automatable this job is by computerization and robotics. Shown for historical context only — it is not part of any current AI ranking.
- **Teleworkable:** yes

### Eloundou

- **Alpha:** 0.1111111111111111
- **Beta:** 0.5555555555555556
- **Gamma:** 1

### Usage Tasks

| Task | Usage Percent | Importance |
| --- | --- | --- |
| Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. | 0.004211019313172479 | 4.9 |
| Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval. | 0.0017460323981446867 | 4.76 |
- **Usage Release:** 2026-01-15-v4-plus-2025-03-27-v2

### Bls

- **Growth Percent:** -4.4
- **Growth Percentile:** 14
- **Direction:** Declining
- **Annual Openings Thousands:** 3.7
- **Annual Openings Percentile:** 41
- **Employment2024Thousands:** 67.8
- **Employment2034Thousands:** 64.8

### Sources

| Source | Version |
| --- | --- |
| bls_employment_projections | 2024-2034 |
| dingel_neiman | dingel-neiman-workathome |
| felten_aioe | felten-raj-seamans-aioe |
| frey_osborne | frey-osborne-automation |
| microsoft_working_with_ai | working-with-ai |
| openai_gpts_are_gpts | gpts-are-gpts |

## Ai Playbook

- **Trusted Task Count:** 1
- **Task Count:** 2
- **Total Sample:** 67
- **Autonomy Median:** 4
- **Dominant Collaboration:** directive
- **Automation Share:** 35.42
- **Augmentation Share:** 33.33
- **Work Use Percent:** 54.17

### Collaboration

| Label | Percent |
| --- | --- |
| directive | 35.42 |
| task iteration | 33.33 |

### Use Case

| Label | Percent |
| --- | --- |
| work | 54.17 |

### Delegated Tasks

| Task | Usage Percent | Collaboration | Autonomy Median | Sample Count |
| --- | --- | --- | --- | --- |
| Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. | 0.004800600075009376 | directive | 4 | 48 |

### Boundary Tasks

| Task | Human Needed Percent | Sample Count |
| --- | --- | --- |
| Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. | 91.66666666666666 | 48 |

### Seed Prompts

| Prompt | Collaboration |
| --- | --- |
| Do this for me: analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. Give me a finished draft I can review and adjust. | directive |
- **Release:** 2026-01-15-v4-plus-2025-03-27-v2

## Counts

- **Tasks:** 11
- **Skills:** 39
- **Capabilities:** 120
- **Tools:** 41
- **Related Roles:** 20

## Source

- **Dataset:** gold.onet_role_starter_surface
- **Version:** 30.3
- **Generated At:** 2026-06-02T21:00:32.945303+00:00
- **Content Hash:** b08a102de4f0a9b1