# Will credit analysts be replaced by AI? Updated October 2026 Credit analysts score 62 of 100 for AI exposure. The largest share of their task time, 54%, is work AI speeds up while they stay in charge. AI can take over 34% outright, and 12% stays with people. - **34%** AI can do it - **54%** AI helps - **12%** Needs a person High exposure Higher than 93% of the 923 occupations we scored. ## Task by task We graded 11 tasks, listed here from most to least exposed. AI can do 4 of them today, speeds up 5 and leaves 2 to people. | Task | AI exposure | | --- | --- | | Generate financial ratios, using computer programs, to evaluate customers' financial status. Ratio calculation is already software driven; AI fully handles it. | 80% AI can do it | | Review individual or commercial customer files to identify and select delinquent accounts for collection. Filtering files by delinquency status is routine database work. | 80% AI can do it | | Prepare reports that include the degree of risk involved in extending credit or lending money. AI drafts risk reports well; analyst checks conclusions and approves. | 65% AI can do it | | Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval. AI drafts summaries and packages; analyst verifies and submits applications. | 62% AI helps | | Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations. Peer benchmarking from databases is largely automatable with AI tools. | 62% AI helps | [See what AI can take on across a finance team](https://www.aigentcy.com/ai-for/finance/) ## How credit analysts compare All occupations (923) Business and financial operations (48) **Credit analysts score 62**, marked by the dark line. Each dot is a score, darker where more occupations share it. The short marks show the averages, 37 for all occupations and 55 for business and financial operations. ## Pay and outlook in the US Median pay $83,510 a year, May 2025 People employed 64,390 in the US, May 2025 Projected change in jobs \-4.3% from 2024 to 2034 ## Skills to build - Write delinquency queries in SQL and Microsoft SQL Server - Model loan profitability and stress cases in SAS - Run peer benchmarking comparisons in Microsoft Excel - Write credit memos for loan committees in Microsoft Word - Hold live calls with credit associations and trade references - Approve payment plan exceptions outside the standard rules ## Safer roles nearby 5 related occupations with lower scores. - [Credit clerks61 out of 100](https://www.aigentcy.com/ai-exposure/credit-clerks/) - [Financial analysts58 out of 100](https://www.aigentcy.com/ai-exposure/financial-analysts/) - [Financial advisors60 out of 100](https://www.aigentcy.com/ai-exposure/financial-advisors/) - [Financial risk specialists60 out of 100](https://www.aigentcy.com/ai-exposure/financial-risk-specialists/) - [Accountants60 out of 100](https://www.aigentcy.com/ai-exposure/accountants/) ## Questions about credit analysts and AI Will AI replace credit analysts? Largely. About 6 in 10 working hours go to tasks AI can already do, mostly ratio calculation and delinquency file review. What stays with people is the judgment on loan risk, the final approval of exceptions, and live calls with customers and business references. Which tasks are AI taking over for credit analysts? Ratio calculation and delinquency file screening go first, both at exposure 80. Software already computes ratios from statements and filters accounts by delinquency status with database queries. Drafting risk reports and payment plan options follows, at 65 and 60. Which tasks stay with credit analysts? Exchanges with credit associations and other business representatives stay with people, at exposure 20, because they run on live calls and relationship judgment. Resolving customer complaints, at exposure 30, is similar. Judging management quality and market share for expected loan profitability, at exposure 45, stays with the analyst, with AI speeding the data work. How can credit analysts stay valuable? Move your hours toward judgment work that software leaves unfinished. Take on the approval of payment plan exceptions and check each draft before it goes out. Write your delinquency queries in SQL or SAS. Build peer benchmarks in Excel and defend the conclusions to loan committees in PowerPoint. ## Related jobs - [Loan officers63 out of 100](https://www.aigentcy.com/ai-exposure/loan-officers/) - [Loan clerks64 out of 100](https://www.aigentcy.com/ai-exposure/loan-clerks/) - [Financial examiners49 out of 100](https://www.aigentcy.com/ai-exposure/financial-examiners/) - [Stockbrokers64 out of 100](https://www.aigentcy.com/ai-exposure/stockbrokers/) ## Next steps for credit analysts - ### Check your job Your job title is a rough guide. Your actual tasks decide your score. Paste your job description or CV and see which of your tasks AI can do. [Check your job](https://www.aigentcy.com/tools/ai-exposure-checker/) [Check your CV](https://www.aigentcy.com/tools/cv-checker/) ### Check which roles in your team AI can take on We map your team's tasks, show what AI can do today and build the automations that pay back first. [Book an AI audit](https://www.aigentcy.com/audit/) ## Related topics - [**Jobs AI can't replace**Cement masons score lowest, at 8.](https://www.aigentcy.com/ai-exposure/jobs-ai-cant-replace/) - [**Jobs most at risk from AI**Proofreaders score highest, at 76.](https://www.aigentcy.com/ai-exposure/jobs-most-exposed-to-ai/) - [**High-paying jobs with low AI exposure**Radiologists earn a median $420,860 and score 46.](https://www.aigentcy.com/ai-exposure/high-paying-jobs-low-ai-exposure/) - [**Entry-level jobs with low AI exposure**Cement masons need little prior training and score 8.](https://www.aigentcy.com/ai-exposure/entry-level-jobs-low-ai-exposure/) - [**Jobs AI speeds up the most**For natural sciences managers, AI speeds up 96% of task time.](https://www.aigentcy.com/ai-exposure/jobs-ai-speeds-up/) - [**AI and jobs in Malta**15 iGaming roles graded task by task.](https://www.aigentcy.com/ai-exposure/malta/) - [**Skills that keep work human**The skills to build in the jobs AI changes least.](https://www.aigentcy.com/ai-exposure/skills/) - [**Jobs A to Z**Every job we publish, by first letter.](https://www.aigentcy.com/ai-exposure/jobs/) - [**AI exposure by industry**Average scores for 22 occupation groups.](https://www.aigentcy.com/ai-exposure/industries/) - [**Write a CV screening software can read**How applicant tracking systems read a CV, and what to change.](https://www.aigentcy.com/ai-exposure/cv-screening-guide/) - [**AI for businesses**The tasks to automate first in each team and industry.](https://www.aigentcy.com/ai-for/) - [**How we score AI exposure**The grading, the weights and every source.](https://www.aigentcy.com/ai-exposure/methodology/) Occupation data from the O\*NET 30.3 Database by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA), used under [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/) and modified by Aigentcy. O\*NET® is a trademark of USDOL/ETA. Wage, employment and projection data from the U.S. Bureau of Labor Statistics. EU occupation names from ESCO, European Commission. AI usage signals from the Anthropic Economic Index (CC BY) and Microsoft Research (CC BY 4.0). [Methodology and sources](https://www.aigentcy.com/ai-exposure/methodology/). Scores © Aigentcy. Quote them with a link to the page.