Credit Authorizers, Checkers, and Clerks
Office and Administrative Support Occupations- O*NET-SOC code
- 43-4041.00
Authorize credit charges against customers' accounts. Investigate history and credit standing of individuals or business establishments applying for credit. May interview applicants to obtain personal and financial data, determine credit worthiness, process applications, and notify customers of acceptance or rejection of credit.
- Data source: BLSPublished: 2026-08
Very high· relative
LowFour relative bandsVery highGroup-level value
Scale, basis and source
Four relative bands (Low / Moderate / High / Very high)
831 detailed occupations in the BLS Employment Projections table. Assigned per National Employment Matrix (NEM) code, so occupations sharing a NEM code carry the same band
- Data source: AnthropicPublished: 2026-03
0.130
0.000Range of values carried here0.745Scale, basis and source
Observed exposure index, 0–1 as published
Mapped onto O*NET tasks
Published per SOC 2018 occupation; every O*NET occupation with the same SOC 2018 code carries this value
- Data source: ILOPublished: 2025
0.64
0.09Range of values carried here0.70Group-level value
Scale, basis and source
Generative AI exposure index, 0–1 as published
Published per ISCO-08 unit group. Linked to this occupation, wholly or in part, by applying U.S. Bureau of Labor Statistics crosswalks (ISCO-08 to 2010 SOC, 2010 SOC to 2018 SOC) as published
What kind of figure this source publishes
The BLS category is a relative rank, not an absolute level, and it is not a first-hand measurement: it groups an occupation's percentile ranks across several published studies into four bands. It is not an employment or wage forecast, not a probability of adoption, and it does not separate automation from augmentation.
Task-level exposure
Show 9 hidden tasks16 rated tasks · 15 tasks with β ≥ 0.5 (93.8%)
β = direct exposure (E1) + 0.5 × exposure when tools are available (E2), per the source repository's definition.
- Source unit: O*NET 27.2 tasks → O*NET 31.0 occupation code
- All rated tasks are in the O*NET 31.0 task list.
- Source
- OpenAI "GPTs are GPTs" exposure rubric
- Release
- gh-main-0471612
- License
- MIT License, Copyright (c) 2024 OpenAI
Tasks of O*NET-SOC 2010 occupations 43-4041.01 Credit Authorizers; 43-4041.02 Credit Checkers, linked to this occupation by the O*NET-SOC 2010 to 2019 crosswalk
| Task (O*NET 20.1) | Claude.aiRaw / share % |
|---|---|
Relay credit report information to subscribers by mail or by telephone.43-4041.02 | 0.026053.4 |
Prepare reports of findings and recommendations, using typewriters or computers.43-4041.02 | 0.017035.0 |
Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.43-4041.01 | 0.00347.0 |
Prepare credit cards or charge account plates.43-4041.01 | 0.00234.6 |
Values in this tab are predicted labels, not observations. Eloundou et al. (2023) published two rating regimes — human raters and GPT-4 — and the β shown here is derived from the GPT-4 rater basis alone; the same task can take a different value under the other regime. The unit and the meaning differ from the observed shares (%) in the other tabs, so do not place them on the same axis.
| Task (O*NET 27.2) | βE1 + 0.5 × E2 |
|---|---|
Keep records of customers' charges and payments.O*NET Task ID 23297 | 1.0 |
File sales slips in customers' ledgers for billing purposes.O*NET Task ID 23302 | 1.0 |
Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.O*NET Task ID 23303 | 1.0 |
Mail charge statements to customers.O*NET Task ID 23304 | 1.0 |
Relay credit report information to subscribers by mail or by telephone.O*NET Task ID 23306 | 1.0 |
Prepare reports of findings and recommendations.O*NET Task ID 23311 | 1.0 |
Compile and analyze credit information gathered by investigation.O*NET Task ID 23298 | 0.5 |
Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.O*NET Task ID 23299 | 0.5 |
Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.O*NET Task ID 23300 | 0.5 |
Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.O*NET Task ID 23301 | 0.5 |
Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.O*NET Task ID 23305 | 0.5 |
Call customers to collect payment on delinquent accounts.O*NET Task ID 23308 | 0.5 |
Consult with customers to resolve complaints or verify financial or credit transactions.O*NET Task ID 23309 | 0.5 |
Contact former employers and other acquaintances to verify applicants' references, employment, health history, or social behavior.O*NET Task ID 23310 | 0.5 |
Review individual or commercial customer files to identify and select delinquent accounts for collection.O*NET Task ID 23312 | 0.5 |
β = E1 + 0.5 × E2 · E1 = tasks where direct LLM access alone cuts time by at least 50%, E2 = tasks where software built on top of an LLM cuts time by at least 50%. Values take only 0 / 0.5 / 1.0.
Data sources & licenses — O*NET®, Anthropic Economic Index, Eloundou et al. (2023): see full notices on the Credits page
All O*NET 31.0 task statements (16)
All O*NET 31.0 task statements for this occupation (English, as published; task type core or supplemental). Exposure values are not listed here; they are in the table above, next to each task statement as worded in the O*NET version each source used.
| Task (O*NET 31.0) | Type |
|---|---|
| Keep records of customers' charges and payments. | Core |
| Compile and analyze credit information gathered by investigation. | Core |
| Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested. | Core |
| Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report. | Core |
| Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards. | Supplemental |
| File sales slips in customers' ledgers for billing purposes. | Supplemental |
| Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone. | Supplemental |
| Mail charge statements to customers. | Supplemental |
| Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants. | Supplemental |
| Relay credit report information to subscribers by mail or by telephone. | Supplemental |
| Prepare credit cards or charge account plates. | Supplemental |
| Call customers to collect payment on delinquent accounts. | — |
| Consult with customers to resolve complaints or verify financial or credit transactions. | — |
| Contact former employers and other acquaintances to verify applicants' references, employment, health history, or social behavior. | — |
| Prepare reports of findings and recommendations. | — |
| Review individual or commercial customer files to identify and select delinquent accounts for collection. | — |
0.05/ 3· Robot exposure index
Scale, basis and source
Each physical task is graded 0–3 by the setting in which robots that have been deployed, sold or demonstrated could do it (0 none · 1 purpose-built robot settings such as a fenced machine cell or a bottling line · 2 structured facilities such as a hospital pharmacy or a container port · 3 unstructured settings such as a private home or a construction site), and the grades are averaged by share of working time
Physical tasks among this occupation's O*NET 29.3 tasks
Anthropic estimated the grades and time shares with Claude Opus 5 using web search, as of 2026.
The robot exposure index is a different measure from the AI exposure figures on this site and cannot be added to or compared with them. It does not measure actual adoption or cost, and 0 also covers occupations with no physical tasks.
Tier of each physical task
Robot environment tiers (E0–E3)
E0 noneDetails
Rated not doable by robots that have been deployed, sold or demonstrated, even in a purpose-built setting
E1 purpose-built robot settingsDetails
Rated doable in a setting built around the machine, such as a fenced machine cell or a bottling line
E2 structured facilitiesDetails
Rated doable in a human work facility that an institution keeps to a working standard, such as a hospital pharmacy or a container port
E3 unstructured settingsDetails
Rated doable in a setting that no institution keeps to a working standard, such as a private home or a construction site
Only tasks classified as physical are listed; other tasks have no tier in the source.
| Task (O*NET 29.3) | Robot environment tier |
|---|---|
| File sales slips in customers' ledgers for billing purposes. | E1 purpose-built robot settings |
| Mail charge statements to customers. | E1 purpose-built robot settings |
| Prepare credit cards or charge account plates. | E2 structured facilities |
Occupation information
Employment outlook (BLS)
- Employment, 2025
- 12K
- Projected employment, 2035
- 11K
- Change (2025–35)
- -7.4%
- Median annual wage, 2025
- $50,080
- Typical education needed for entry
- High school diploma or equivalent
Korea classification links (KSCO)
Links from the current release of the Korea Occupation Direct Crosswalk v1.1, made by AI Changing Work. Relation values are read from the O*NET-SOC occupation side.
| KSCO code | KSCO title | Relation | Status |
|---|---|---|---|
| 34030 | 은행 사무원 | Related, not a match | reviewed |
Relation and status definitions(kr-direct v1.1)
ILO occupational description
AI Changing Work links the ISCO-08 unit groups below to this occupation by applying the U.S. Bureau of Labor Statistics crosswalks (2018 SOC to 2010 SOC, 2010 SOC to ISCO-08) as published, without case-by-case selection; each link may be whole or partial.
- ISCO-08 4312Statistical, Finance and Insurance Clerks
The definition, tasks and examples below are the ILO's description of that unit group, not of this occupation.
Statistical, finance and insurance clerks obtain, compile and compute statistical or actuarial data or perform clerical tasks relating to the transactions of insurance establishments, banks and other financial establishments.
Tasks
- (a) processing insurance enrolments, cancellations, claims transactions, policy changes and payments;
- (b) obtaining and compiling statistical or actuarial data based on routine or special sources of information;
- (c) calculating totals, averages, percentages and other details and presenting them in the required tabular form;
- (d) preparing financial documents, and calculating interest or brokerage charges and stamp duties payable;
- (e) maintaining records of bonds, shares and other securities bought or sold on behalf of clients or employer.
Example occupations
Actuarial clerk · Brokerage clerk · Finance clerk · Insurance clerk · Mortgage clerk · Securities clerk · Statistical clerk
Sources: ILO ISCO-08 — details: Credits
ESCO occupational vocabulary
Each entry below is matched to this occupation in the published ESCO-O*NET Crosswalk (version 1, 2022). The match types are that crosswalk's; the wording is AI Changing Work's.
- credit adviserESCO 3312.2Overlapping, not the same
Credit advisers offer guidance to customers related to credit services. They assess the customer's financial situation and debt issues arisen from credit cards, medical bills and car loans in order to identify optimal credit solutions for customers and also provide debt elimination plans to adjust their finances if needed. They prepare qualitative credit analyses and decision-making material in respect of defined customers in conformity with the bank's strategy on credit policy, ensure the credit quality and follow up on the performance of the credit portfolio. Credit advisers also have expertise in debt management and credit consolidation.
- credit analystESCO 3312.2.1Overlapping, not the same
Credit analysts investigate credit applications from customers and evaluate if the applications comply with regulations and guidelines of the financial loan-granting institution. On the basis of credit analyses they advise financial institutions whether customers are loan worthy. They perform tasks such as collecting data on the loan applicant, aquire additional information from other departments or institutions and indicating what sort of agreements the financial institution should reach with the credit applicant. Credit analysts also follow up on the development of the credit portfolio of clients.
- credit risk analystESCO 3312.4Overlapping, not the same
Credit risk analysts manage individual credit risk and care for fraud prevention, business deal analysis, legal documents analysis and recommendations on the level of the risk.
- loan officerESCO 3312.5Overlapping, not the same
Loan officers assess and authorise the approval of loan applications for individuals and businesses. They ensure complete transactions between loan organisations, borrowers, and sellers. Loan officers are specialists in consumer, mortgage, or commercial lending.
Source: European Commission, DG EMPL — ESCO API 2026-08-08 (bridge v1.2.1)
License: CC BY 4.0 (EU Reuse Notice)
ESCO reuse terms and the modification notice are in Credits.
France classification links (ROME)
AI Changing Work's links between this occupation and ROME 4.0 job profiles, judged with AI models. Relations are read from this occupation's side. Links marked “provisional” were adopted on the judgments of two judges from the same model family (Claude) alone, or by an operator rule applied to their judgments, so they rest on weaker evidence than confirmed links.
| ROME code | ROME title (French) | Relation |
|---|---|---|
| C1214 | Chargé / Chargée d'études crédits bancaires | Overlapping, not the sameprovisional |
| C1202 | Analyste de crédits et risques bancaires | Related, not a matchprovisional |
| M1220 | Credit manager | Related, not a matchprovisional |
Source: France Travail — Répertoire Opérationnel des Métiers et des Emplois (ROME 4.0), version 61, last updated 15 June 2026 (https://www.data.gouv.fr/datasets/repertoire-operationnel-des-metiers-et-des-emplois-rome). Licence Ouverte 2.0.
ROME codes and titles are reproduced unchanged; the links to O*NET-SOC occupations are AI Changing Work's own judgment and are not a France Travail correspondence.
(AI Changing Work link release: fr-direct v1)
Spain classification links (CNO-11)
AI Changing Work's links between this occupation and CNO-11 occupations, judged with AI models. Relations are read from this occupation's side.
| CNO-11 code | CNO-11 title (Spanish) | Relation |
|---|---|---|
| 4113 | Empleados de oficina de servicios estadísticos, financieros y bancarios | This occupation is narrowerprovisional |
| 3402 | Comerciales de préstamos y créditos | Related, not a matchprovisional |
Source: Instituto Nacional de Estadística (INE), National Classification of Occupations 2011 (CNO-11, Royal Decree 1591/2010) — www.ine.es · Licensed CC BY 4.0. CNO-11 codes and Spanish titles are reproduced unchanged; the links to O*NET occupations are AI Changing Work's own judgment and are not an INE correspondence.
(AI Changing Work link release: es-direct v1)
Germany classification links (KldB)
AI Changing Work's links between this occupation and KldB occupations, judged with AI models. Relations are read from this occupation's side.
| KldB code | KldB title (German) | Relation |
|---|---|---|
| 72113 | Bankkaufleute - komplexe Spezialistentätigkeiten | This occupation is narrowerprovisional |
| 53152 | Detektive/Detektivinnen - fachlich ausgerichtete Tätigkeiten | Related, not a matchprovisional |
Source: © Statistik der Bundesagentur für Arbeit — Klassifikation der Berufe 2010 – überarbeitete Fassung 2020, https://statistik.arbeitsagentur.de. KldB codes and titles are reproduced unchanged; the links to O*NET occupations are AI Changing Work's own mapping (eigene Zuordnung) and are not a Bundesagentur für Arbeit correspondence.
(AI Changing Work link release: de-direct v1)
Japan classification links (JSCO)
AI Changing Work's links between this occupation and JSCO occupations, judged with AI models. Relations are read from this occupation's side.
| JSCO code | JSCO title (Japanese) | Relation |
|---|---|---|
| 281 | 営業・販売事務員 | Related, not a match |
Source: Ministry of Internal Affairs and Communications (MIC), Japan Standard Occupational Classification (Dec. 2009, MIC Notification No. 555). JSCO codes and Japanese titles are reproduced unchanged; the links to O*NET occupations are AI Changing Work's own judgment and are not a MIC correspondence.
(AI Changing Work link release: jp-direct v1)
Sources, licenses and AI Changing Work's modification and translation notices for this page: Credits & sources