Credit Analysts
Business and Financial Operations Occupations- O*NET-SOC 代码
- 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.
- 数据来源: BLS发布时间: 2026-08
很高· 相对
低四级相对区间很高职业群单位数值
尺度 · 母数 · 来源
四级相对类别（低 / 中等 / 高 / 很高）
以BLS就业预测表中831个细分职业为基数。取值按 NEM（全国就业矩阵）代码给定，因此共用同一 NEM 代码的职业得到相同分档
- 数据来源: Anthropic发布时间: 2026-03
0.169
0.000此处所载数值的范围0.745尺度 · 母数 · 来源
- 数据来源: ILO发布时间: 2025
0.62
0.09此处所载数值的范围0.70职业群单位数值
尺度 · 母数 · 来源
生成式AI暴露度指数，按发布原值0–1
按 ISCO-08 细类（4 位）发布的数值。按原样应用美国劳工统计局（BLS）的官方对照表（ISCO-08→2010 SOC、2010 SOC→2018 SOC）关联到本职业，对应关系为全部或部分对应
该来源发布的是什么性质的数值
BLS的类别是相对排位而非绝对水平，也不是一手测量：它把多项已发表研究给出的职业百分位排名归并为四个等级。它不是就业或工资预测，不是采用概率，也不区分自动化与增强。
Task-level exposure
仅显示有暴露的工作已评分任务 11 项 · β ≥ 0.5 的任务 11 项（100.0%）
β = 直接暴露（E1）+ 0.5 × 借助工具时的暴露（E2），依据原始代码库的定义。
- 原始单位：O*NET 27.2 任务 → O*NET 31.0 职业代码
- 所有已评分任务均在 O*NET 31.0 任务列表中。
- 来源
- OpenAI "GPTs are GPTs" exposure rubric
- 版本
- gh-main-0471612
- 许可
- MIT License, Copyright (c) 2024 OpenAI
| Task (O*NET 30.2) | Claude.aiRaw / share % | APIRaw / share % |
|---|---|---|
Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.13-2041.00 | 0.0100100.0 | 0.00000.0 |
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.13-2041.00 | 0.00000.0 | 0.0100100.0 |
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.13-2041.00 | 0.00000.0 | 0.00000.0 |
Prepare reports that include the degree of risk involved in extending credit or lending money.13-2041.00 | 0.00000.0 | —0 |
| Not observed on any surface — 7 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. | ||
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval. | —0 | —0 |
Generate financial ratios, using computer programs, to evaluate customers' financial status. | —0 | —0 |
Consult with customers to resolve complaints and verify financial and credit transactions. | —0 | —0 |
Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans. | —0 | —0 |
Confer with credit association and other business representatives to exchange credit information. | —0 | —0 |
Review individual or commercial customer files to identify and select delinquent accounts for collection. | —0 | —0 |
Contact customers to collect payments on delinquent accounts. | —0 | —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 全部任务（11 项）
本职业在 O*NET 31.0 中的全部任务（英文原文；任务类型为核心或补充）。暴露值不列在此清单中，而在上方表格里，位于各来源所用 O*NET 版本的任务表述旁。
| 任务（O*NET 31.0） | 类型 |
|---|---|
| Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. | 核心 |
| Prepare reports that include the degree of risk involved in extending credit or lending money. | 核心 |
| Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval. | 核心 |
| Generate financial ratios, using computer programs, to evaluate customers' financial status. | 核心 |
| Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations. | 核心 |
| Consult with customers to resolve complaints and verify financial and credit transactions. | 核心 |
| Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans. | 核心 |
| Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity. | 补充 |
| Confer with credit association and other business representatives to exchange credit information. | 补充 |
| Review individual or commercial customer files to identify and select delinquent accounts for collection. | 补充 |
| Contact customers to collect payments on delinquent accounts. | 补充 |
0.00/ 3· 机器人暴露指数
尺度 · 母数 · 来源
对每项体力任务，按已实际部署、销售或演示的机器人能够完成它的环境评定 0–3 级（0 不可 · 1 围栏式机器单元、灌装线等机器人专用设施 · 2 医院药房、集装箱港口等受管理的设施 · 3 私人住宅、建筑工地等非结构化环境），再按工作时间占比求平均
以该职业 O*NET 29.3 任务中的体力任务为准
等级与时间占比由 Anthropic 使用 Claude Opus 5（网络搜索）估算（截至 2026 年）。
机器人暴露指数与本站的 AI 暴露度是不同的指标，不能相加或相互比较。该指数不代表实际采用情况或成本竞争力，0 也包括没有体力任务的职业。
每项体力任务的等级
该职业的 O*NET 29.3 任务中没有被归类为体力任务的任务。
职业信息
就业展望（BLS）
- 就业人数，2025
- 65K
- 预计就业人数，2035
- 62K
- 变化 (2025–35)
- -4.3%
- 年薪中位数，2025
- $83,510
- 入职通常所需学历
- Bachelor's degree
韩国职业分类关联（KSCO）
来自 AI Changing Work 制作的 Korea Occupation Direct Crosswalk v1.1 当前版本的关联。关系值从 O*NET-SOC 职业一侧解读。
| KSCO 代码 | KSCO 名称 | 关系 | 状态 |
|---|---|---|---|
| 28212 | 신용 분석가 | 范围相同 | 已确认 |
关系与状态的定义(kr-direct v1.1)
国际劳工组织（ILO）职业说明
以下 ISCO-08 职业组由 AI Changing Work 原样套用美国劳工统计局（BLS）发布的对照表（2018 SOC→2010 SOC、2010 SOC→ISCO-08）、不逐案取舍，与本职业相关联；每项关联可能是完全对应，也可能是部分对应。
- ISCO-08 2413Financial Analysts
财务分析师
自行翻译
自行翻译 · 非 ISCO 官方词汇 — 未经国际劳工组织审核。
以下定义、任务和职业示例是 ILO 对该 ISCO-08 职业组的描述，而不是对本职业的描述。
Financial analysts conduct quantitative analyses of information affecting investment programmes of public or private institutions.
任务
- (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.
职业示例
Bond analyst · Investment analyst · Securities consultant
Sources: ILO ISCO-08 — details: Credits
ESCO 职业词汇
以下每一项都是在已公开的ESCO-O*NET Crosswalk（第 1 版，2022 年）中与本职业逐项对应的。对应类型出自该对照表；表述出自 AI Changing Work。
- credit analystESCO 3312.2.1范围相同
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本职业范围更宽
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本职业范围更宽
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有重叠，但不相同
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有重叠，但不相同
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有重叠，但不相同
Mortgage loan underwriters ensure compliance with underwriter guidelines. They participate in the implementation of new underwriting guidelines. They also review closed and denied loans.
来源: European Commission, DG EMPL — ESCO API 2026-08-08 (bridge v1.2.1)
许可: CC BY 4.0 (EU Reuse Notice)
ESCO reuse terms and the modification notice are in Credits.
法国职业分类关联（ROME）
本职业与 ROME 4.0 职业条目（fiche）之间的关联，由 AI Changing Work 借助 AI 模型判定。关系从本职业一侧解读。标为「暂定」的关联仅凭同一模型系列（Claude）两位判定者的判定采纳，或对其判定适用运营方规则后采纳，因此其依据弱于已确认的关联。
| ROME 代码 | ROME 名称（法语） | 关系 |
|---|---|---|
| C1202 | Analyste de crédits et risques bancaires | 范围相同暂定 |
| C1214 | Chargé / Chargée d'études crédits bancaires | 有重叠，但不相同暂定 |
| C1213 | Directeur / Directrice d'organisme de crédit | 相关，但不对应暂定 |
| M1220 | Credit manager | 相关，但不对应暂定 |
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)
西班牙职业分类关联（CNO-11）
本职业与 CNO-11 职业之间的关联，由 AI Changing Work 借助 AI 模型判定。关系从本职业一侧解读。
| CNO-11 代码 | CNO-11 名称（西班牙语） | 关系 |
|---|---|---|
| 3402 | Comerciales de préstamos y créditos | 本职业范围更窄暂定 |
| 2613 | Analistas financieros | 相关，但不对应暂定 |
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)
德国职业分类关联（KldB）
本职业与 KldB 职业之间的关联，由 AI Changing Work 借助 AI 模型判定。关系从本职业一侧解读。
| KldB 代码 | KldB 名称（德语） | 关系 |
|---|---|---|
| 72144 | Finanzanalysten/-analystinnen - hoch komplexe Tätigkeiten | 有重叠，但不相同 |
| 72113 | Bankkaufleute - komplexe Spezialistentätigkeiten | 相关，但不对应 |
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)
日本职业分类关联（JSCO）
本职业与 JSCO 职业之间的关联，由 AI Changing Work 借助 AI 模型判定。关系从本职业一侧解读。
| JSCO 代码 | JSCO 名称（日语） | 关系 |
|---|---|---|
| 184 | 金融・保険専門職業従事者 | 相关，但不对应 |
| 281 | 営業・販売事務員 | 相关，但不对应 |
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)
与本职业相关的近期变化
摘要和关联标注由 AI Changing Work 撰写和判断；数字请以所链接的来源为准。
直接相关 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.
[来源: Gupta & Kumar (2026) Agentic AI and Occupational Displacement]
本页数据的来源与许可，以及 AI Changing Work 的修改与翻译说明：致谢与来源