Credit Analysts
Business and Financial Operations Occupations- O*NET-SOC コード
- 13-2041.00
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.
- データ出典: BLS公表時点: 2026-08
非常に高い· 相対
低い4段階の相対区分非常に高い職業群単位の値
尺度・母数・出典
4段階の相対区分（低い / 中程度 / 高い / 非常に高い）
BLS雇用見通し表の詳細職業831件が母数。値は NEM(全国雇用マトリクス)コード単位で付与されるため、同じ NEM コードの職業は同じバンドになります
- データ出典: Anthropic公表時点: 2026-03
0.169
0.000ここに掲載された値の範囲0.745尺度・母数・出典
観測エクスポージャー指数、公開されたまま0–1
O*NETタスクへの対応づけが基準
SOC 2018の職業単位で公表された値で、同じSOC 2018コードを持つO*NET職業はすべてこの値になります
- データ出典: ILO公表時点: 2025
0.62
0.09ここに掲載された値の範囲0.70職業群単位の値
尺度・母数・出典
生成AI露出度指数、公開されたまま0–1
ISCO-08の細分類（4桁）単位で公表された値です。米国労働統計局（BLS）の公式対応表（ISCO-08→2010 SOC、2010 SOC→2018 SOC）を公表どおり適用してこの職業に結び付けており、対応は全部または一部です
この出典がどのような性格の値か
BLSの区分は絶対水準ではなく相対順位であり、一次測定でもありません。複数の既存研究が付けた職業別パーセンタイル順位を4段階にまとめた値です。雇用や賃金の予測でもなく、導入確率でもなく、自動化と増強を区別しません。
Task-level exposure
露出のある作業のみ評価済みタスク 11 件 · β ≥ 0.5 のタスク 11 件（100.0%）
β = 直接的な露出（E1）+ 0.5 × ツール利用時の露出（E2）。原典リポジトリの定義に従います。
- 原典の単位：O*NET 27.2 のタスク → O*NET 31.0 の職業コード
- 評価済みタスクはすべて O*NET 31.0 のタスク一覧にあります。
- 出典
- OpenAI "GPTs are GPTs" exposure rubric
- 版
- gh-main-0471612
- ライセンス
- MIT License, Copyright (c) 2024 OpenAI
| Task (O*NET 20.1) | Claude.aiRaw / share % |
|---|---|
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.13-2041.00 | 0.011251.8 |
Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.13-2041.00 | 0.005022.9 |
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.13-2041.00 | 0.003415.7 |
Generate financial ratios, using computer programs, to evaluate customers' financial status.13-2041.00 | 0.00219.6 |
| Not observed on any surface — 6 task(s) — These tasks have no row in the source for this release. The 0 in the share row is a display-stage composition ratio; absence is what the — in the raw row states. | |
Prepare reports that include the degree of risk involved in extending credit or lending money. | —0 |
Confer with credit association and other business representatives to exchange credit information. | —0 |
Review individual or commercial customer files to identify and select delinquent accounts for collection. | —0 |
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations. | —0 |
Consult with customers to resolve complaints and verify financial and credit transactions. | —0 |
Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity. | —0 |
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 |
|---|---|
Generate financial ratios, using computer programs, to evaluate customers' financial status.O*NET Task ID 1255 | 1.0 |
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.O*NET Task ID 1250 | 0.5 |
Prepare reports that include the degree of risk involved in extending credit or lending money.O*NET Task ID 1251 | 0.5 |
Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.O*NET Task ID 1252 | 0.5 |
Confer with credit association and other business representatives to exchange credit information.O*NET Task ID 1253 | 0.5 |
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.O*NET Task ID 1254 | 0.5 |
Review individual or commercial customer files to identify and select delinquent accounts for collection.O*NET Task ID 1256 | 0.5 |
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.O*NET Task ID 1257 | 0.5 |
Consult with customers to resolve complaints and verify financial and credit transactions.O*NET Task ID 1258 | 0.5 |
Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.O*NET Task ID 1259 | 0.5 |
Contact customers to collect payments on delinquent accounts.O*NET Task ID 21164 | 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
O*NET 31.0 のタスク全件（11件）
この職業の O*NET 31.0 のタスク全件（英語原文、種別はコア・補足）。露出値はこの一覧には載せず、上の表で各出典が用いた O*NET 版の文言の横にあります。
| タスク（O*NET 31.0） | 種類 |
|---|---|
| Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. | コア |
| Prepare reports that include the degree of risk involved in extending credit or lending money. | コア |
| Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval. | コア |
| Generate financial ratios, using computer programs, to evaluate customers' financial status. | コア |
| Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations. | コア |
| Consult with customers to resolve complaints and verify financial and credit transactions. | コア |
| Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans. | コア |
| Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity. | 補足 |
| Confer with credit association and other business representatives to exchange credit information. | 補足 |
| Review individual or commercial customer files to identify and select delinquent accounts for collection. | 補足 |
| Contact customers to collect payments on delinquent accounts. | 補足 |
0.00/ 3· ロボット露出指数
尺度・母数・出典
身体的なタスクそれぞれに、実際に導入・販売・実演されたロボットがこなせる環境に応じて 0–3 の等級を付け（0 不可 · 1 フェンスで囲われた機械セルや瓶詰めラインのようなロボット専用設備 · 2 病院の薬剤部やコンテナ港のような管理された施設 · 3 一般家庭や建設現場のような非定型の環境）、勤務時間に占める割合で平均した値
この職業の O*NET 29.3 タスクのうち身体的なタスクが対象
等級と時間の割合は Anthropic が Claude Opus 5（ウェブ検索）で推定しました（2026年時点）。
ロボット露出指数は、このサイトの AI 露出度とは別の指標であり、足し合わせたり比べたりすることはできません。実際の導入やコスト競争力を示すものではなく、0 には身体的なタスクのない職業も含まれます。
身体的なタスクごとの等級
この職業の O*NET 29.3 タスクのうち、身体的なタスクに分類されたものはありません。
職業情報
雇用見通し（BLS）
- 雇用者数、2025
- 65K
- 雇用者数見通し、2035
- 62K
- 変化率 (2025–35)
- -4.3%
- 年間賃金の中央値、2025
- $83,510
- 入職時に通常必要な学歴
- Bachelor's degree
韓国職業分類との対応（KSCO）
AI Changing Work が作成した Korea Occupation Direct Crosswalk v1.1 現行版の対応です。関係の値は O*NET-SOC 職業の側から読みます。
| KSCO コード | KSCO 名称 | 関係 | 状態 |
|---|---|---|---|
| 28212 | 신용 분석가 | 範囲が同じ | 確定 |
関係と状態の定義(kr-direct v1.1)
ILO（国際労働機関）の職業説明
以下のISCO-08職業群は、AI Changing Workが米国労働統計局（BLS）の発行するクロスウォーク（2018 SOC→2010 SOC、2010 SOC→ISCO-08）を個別の選択なしにそのまま適用して、この職業に結び付けたものです。結び付きは全体的な対応の場合も部分的な対応の場合もあります。
- ISCO-08 2413Financial Analysts
金融アナリスト
出典: 総務省「国際標準職業分類（ISCO）2008年改定版（仮訳）分類項目名一覧（和英対照）」— 原著：ILO ISCO-08 © International Labour Organization（日本語訳は総務省がILOの許可を得て作成）
以下の定義・作業・職業例は、この職業ではなく、当該ISCO-08職業群についてのILOによる説明です。
Financial analysts conduct quantitative analyses of information affecting investment programmes of public or private institutions.
作業
- (a) analysing financial information to produce forecasts of business, industry, and economic conditions for use in making investment decisions;
- (b) maintaining knowledge and staying abreast of developments in the fields of industrial technology, business, finance, and economic theory;
- (c) interpreting data affecting investment programmes, such as price, yield, stability, future trends in investment risks and economic influences;
- (d) monitoring economic, industrial, and corporate developments through analysis of information obtained from financial publications and services, investment banking firms, government agencies, trade publications, company sources and personal interviews;
- (e) recommending investments and investment timing to companies, investment firm staff or the investing public;
- (f) determining the prices at which securities should be syndicated and offered to the public;
- (g) preparing plans of action for investment based on financial analyses;
- (h) evaluating and comparing the relative quality of various securities in a given industry;
- (i) presenting oral and written reports on general economic trends, individual corporations, and entire industries.
職業例
Bond analyst · Investment analyst · Securities consultant
Sources: ILO ISCO-08 — details: Credits
ESCO 職業語彙
以下の各項目は、公開されているESCO-O*NET Crosswalk（バージョン1、2022年）で、この職業と一つずつ対応付けられたものです。対応の種類はそのクロスウォークによるもので、表現はAI Changing Workによるものです。
- credit analystESCO 3312.2.1範囲が同じ
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 3312.4この職業のほうが広い
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 3312.5この職業のほうが広い
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.
- credit adviserESCO 3312.2重なるが同じではない
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 managerESCO 3312.3重なるが同じではない
Credit managers oversee the application of credit policy in the bank. They decide the credit limits to be imposed, the reasonable levels of risk accepted and the conditions and terms of payment made to the customers. They control the collection of payments from their customers and manage the credit department of a bank.
- mortgage loan underwriterESCO 3312.6重なるが同じではない
Mortgage loan underwriters ensure compliance with underwriter guidelines. They participate in the implementation of new underwriting guidelines. They also review closed and denied loans.
出典: European Commission, DG EMPL — ESCO API 2026-08-08 (bridge v1.2.1)
ライセンス: CC BY 4.0 (EU Reuse Notice)
ESCO reuse terms and the modification notice are in Credits.
フランス職業分類との対応（ROME）
この職業と ROME 4.0 の職業票（fiche）との対応で、AI Changing Work が AI モデルを用いて判定したものです。関係はこの職業の側から読みます。「暫定」と表示した対応は、同じモデル系列（Claude）の二人の判定者による判定のみ、またはその判定に運営者の規則を適用して採用したものであり、確定した対応より根拠が弱くなります。
| ROME コード | ROME 名称（フランス語） | 関係 |
|---|---|---|
| C1202 | Analyste de crédits et risques bancaires | 範囲が同じ暫定 |
| C1214 | Chargé / Chargée d'études crédits bancaires | 重なるが同じではない暫定 |
| C1213 | Directeur / Directrice d'organisme de crédit | 関連（対応ではない）暫定 |
| M1220 | Credit manager | 関連（対応ではない）暫定 |
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)
スペイン職業分類との対応（CNO-11）
この職業と CNO-11 の職業との対応で、AI Changing Work が AI モデルを用いて判定したものです。関係はこの職業の側から読みます。
| CNO-11 コード | CNO-11 名称（スペイン語） | 関係 |
|---|---|---|
| 3402 | Comerciales de préstamos y créditos | この職業のほうが狭い暫定 |
| 2613 | Analistas financieros | 関連（対応ではない）暫定 |
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)
ドイツ職業分類との対応（KldB）
この職業と KldB の職業との対応で、AI Changing Work が AI モデルを用いて判定したものです。関係はこの職業の側から読みます。
| KldB コード | KldB 名称（ドイツ語） | 関係 |
|---|---|---|
| 72144 | Finanzanalysten/-analystinnen - hoch komplexe Tätigkeiten | 重なるが同じではない |
| 72113 | Bankkaufleute - komplexe Spezialistentätigkeiten | 関連（対応ではない） |
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)
日本職業分類との対応（JSCO）
この職業と JSCO の職業との対応で、AI Changing Work が AI モデルを用いて判定したものです。関係はこの職業の側から読みます。
| JSCO コード | JSCO 名称（日本語） | 関係 |
|---|---|---|
| 184 | 金融・保険専門職業従事者 | 関連（対応ではない） |
| 281 | 営業・販売事務員 | 関連（対応ではない） |
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)
この職業に関わる最近の変化
要約と関連の表示は AI Changing Work が作成・判断したものです。数値はリンク先の出典で確認してください。
直接関連 New Agentic Task Exposure (ATE) framework scores credit analysts among the highest-risk occupations (ATE 0.43-0.47) for agentic AI workflow displacement by 2030.
[出典: Gupta & Kumar (2026) Agentic AI and Occupational Displacement]
このページのデータの出典・ライセンスと AI Changing Work による改変・翻訳の告知：クレジットと出典