Career Explorer Business and finance
Changing shape
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.
Among the careers AI is changing fastest: more resilient than 2% of the 831 careers we score. AI exposure is high (the Bureau of Labor Statistics rates it very high), and US jobs are projected to change by -4.3% by 2035, expected to shrink.
AI can do many of the tasks, and hiring is expected to grow slower than average or to shrink. The job is likely to change, so build the human parts of it.
- Median pay (2025)
- $83,510
- Job growth to 2035
- -4.3%
- Openings a year
- 3,100
- People doing it (2025)
- 64,700
- Usual route in
- Bachelor's degree
Where people already use AI for this work
- Analyze business or financial data
- Prepare documentation for contracts, applications, or permits
- Analyze market or industry conditions
From Microsoft Research, Working with AI (2025).
Work AI rarely helps with
- Analyze business or financial risks
- Prepare financial documents, reports, or budgets
- Analyze data to improve operations
What the work looks like
- 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.
- Generate financial ratios, using computer programs, to evaluate customers' financial status.
- Prepare reports that include the degree of risk involved in extending credit or lending money.
- Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
From O*NET 31.0, US Department of Labor.
What the Bureau of Labor Statistics expects
- Fewer of these jobs, as companies increase the productivity of credit analysts by using more data and machine learning in the credit risk analyses process.
Careers using similar strengths, with a stronger outlook
- Paralegals and legal assistantsChanging shape, Index 11, -0.3%
- Accountants and auditorsGrows with AI, Index 14, +5.0%
- Property appraisers and assessorsGrows with AI, Index 11, +3.5%
- Cost estimatorsChanging shape, Index 10, -3.1%
Also known as: Credit Administrator, Credit Analyst, Credit Officer, Credit Representative, Credit and Collections Analyst, Credit Risk Analyst, Municipal Fixed Income Analyst.
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Sources: US Bureau of Labor Statistics Employment Projections 2025 to 2035; O*NET 31.0; Microsoft Research (2025); Anthropic Economic Index (2026); Eloundou and colleagues (Science, 2024); Felten, Raj and Seamans (2023). How we score. Updated 12 October 2026.