Credit Analysts
Every task in this role, whether it passes the census's structural hand-over screen, which models pass it, and why. It is a screen, not a claim about what AI can do: a task can pass and still be beyond the systems of the day. The stricter and looser rules re-vote every task, and small differences between roles are noise.
Passes the screen · 2 of 11 tasks
Generate financial ratios, using computer programs, to evaluate customers' financial status.
quick to check, an existing check settles it, and a mistake is cheap · 16.1% of the role's time · $1.0B · passed by Claude Sonnet, Gemini 3.1 Pro · the models disagreed
Review individual or commercial customer files to identify and select delinquent accounts for collection.
quick to check, an existing check settles it, and a mistake is cheap · 2.5% of the role's time · $165M · passed by Claude Sonnet, Gemini 3.1 Pro · the models disagreed
Does not pass
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
reason given most often: nobody can tell quickly whether it worked, and no existing check settles it, and a failure is too expensive · 19.7% of the role's time · $1.3B
Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
reason given most often: nobody can tell quickly whether it worked, and no existing check settles it, and a failure is too expensive · 13.5% of the role's time · $881M
Prepare reports that include the degree of risk involved in extending credit or lending money.
reason given most often: no existing check settles it · 13.4% of the role's time · $874M · waiting on a check
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
reason given most often: nobody can tell quickly whether it worked, and no existing check settles it · 12.7% of the role's time · $823M
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
reason given most often: no existing check settles it · 11.4% of the role's time · $742M
Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.
reason given most often: nobody can tell quickly whether it worked, and no existing check settles it · 4.2% of the role's time · $271M
Confer with credit association and other business representatives to exchange credit information.
reason given most often: no existing check settles it · 3.5% of the role's time · $229M · waiting on a check
Consult with customers to resolve complaints and verify financial and credit transactions.
reason given most often: no existing check settles it · 2.3% of the role's time · $150M
Contact customers to collect payments on delinquent accounts.
reason given most often: nobody can tell quickly whether it worked · 0.6% of the role's time · $41.8M
Where this role works
| Industry | Workers | Wage bill | Passes the screen | All three pass |
|---|---|---|---|---|
| Credit Intermediation and Related Activities (5221 and 5223 only) | 32,040 | $3.1B | $574M | $0 |
| Nondepository Credit Intermediation | 9800 | $896M | $167M | $0 |
| Securities, Commodity Contracts, and Other Financial Investments and Related Activities | 5710 | $838M | $156M | $0 |
| Management of Companies and Enterprises | 7720 | $756M | $141M | $0 |
| Business Support Services | 1270 | $158M | $29.5M | $0 |
| Automobile Dealers | 740 | $81.5M | $15.2M | $0 |
| Merchant Wholesalers, Durable Goods (4232, 4233, 4235, 4236, 4237, and 4239 only) | 1140 | $80.7M | $15.1M | $0 |
| Computer Systems Design and Related Services | 440 | $66.0M | $12.3M | $0 |
| Insurance Carriers | 490 | $46.8M | $8.7M | $0 |
| Agencies, Brokerages, and Other Insurance Related Activities | 460 | $40.3M | $7.5M | $0 |