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 decision making.
U.S. Workers
67,370
Median Salary
$80,970
10-Year Growth
-4.4%
Annual Openings
3,700
Typical entry: Bachelor's degree
10 of 10 tasks have some AI capability
Exposure Trend
This score reflects estimated AI technical capability for tasks in this occupation. It does not predict employment changes, and it does not account for company-specific constraints, regulation, or adoption barriers.
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
AI: Fully automatable - AI systems can parse credit data and financial statements and produce quantitative risk assessments using models and pattern recognition at scale, so this analysis is fully automatable.
Generate financial ratios, using computer programs, to evaluate customers' financial status.
AI: Fully automatable - Generating financial ratios is a deterministic computational task that computer programs and AI can perform automatically and accurately.
Prepare reports that include the degree of risk involved in extending credit or lending money.
AI: Fully automatable - AI can compile quantitative risk metrics, narrative summaries and formatted reports suitable for decision-makers, making preparation of such reports fully automatable.
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
AI: Fully automatable - AI can access comparable industry and geographic datasets, compute benchmarks and produce comparative analyses of liquidity, profitability and credit histories when the necessary data are available, so this is automatable.
Review individual or commercial customer files to identify and select delinquent accounts for collection.
AI: Fully automatable - AI can review customer files at scale, identify delinquent accounts and prioritize them for collection using rules and machine-learning models, fully automating the selection process.
Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.
AI: Fully automatable - Automated decisioning systems and ML models already evaluate earnings, savings, payment history and behavior to recommend tailored payment plans within regulatory frameworks.
Consult with customers to resolve complaints and verify financial and credit transactions.
AI: Partial - AI can handle routine consultations, answer complaints and verify many transactions through system integrations, but complex dispute resolution, sensitive identity verification and nuanced negotiation still require human judgment and trust.
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
AI: Partial - AI can complete loan application paperwork and produce credit analyses and summaries, but submitting to loan committees and handling approval, compliance and accountability usually require human oversight and sign-off.
Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.
AI: Partial - AI can analyze quantitative financial metrics at scale but still struggles to fully assess qualitative factors like management quality and nuanced market context without human judgment.
Confer with credit association and other business representatives to exchange credit information.
AI: Partial - AI can generate and exchange structured credit information and draft correspondence, but live conferencing, relationship-building and trust-based information exchange with industry peers typically require human-to-human interaction.