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

    来源数据集（XLSX 文件下载）

  • 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

    观测暴露度指数，按发布原值0–1

    以O*NET任务映射为基准

    按 SOC 2018 职业发布的数值；具有相同 SOC 2018 代码的所有 O*NET 职业均显示此值

    来源数据集（CSV 文件下载）

  • 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

    来源数据集（PDF 文件下载）

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 20.1)Claude.aiRaw / share %APIRaw / share %
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.

13-2041.00

0.0026100.00.006842.1
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
—00.005433.6
Review individual or commercial customer files to identify and select delinquent accounts for collection.
—00.003924.3
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.
Prepare reports that include the degree of risk involved in extending credit or lending money.
—0—0
Confer with credit association and other business representatives to exchange credit information.
—0—0
Generate financial ratios, using computer programs, to evaluate customers' financial status.
—0—0
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
—0—0
Consult with customers to resolve complaints and verify financial and credit transactions.
—0—0
Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
—0—0
Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.
—0—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

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
最低 $30,890BLS EP 2025–35 中 825 个细分职业的工资中位数范围最高 $559,030

来源: U.S. Bureau of Labor Statistics, Employment Projections 2025–35 — Employment by detailed occupation, 2025 and projected 2035

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
28212신용 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)

查看原文

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
C1202Analyste de crédits et risques bancaires范围相同暂定
C1214Chargé / Chargée d'études crédits bancaires有重叠，但不相同暂定
C1213Directeur / Directrice d'organisme de crédit相关，但不对应暂定
M1220Credit 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
3402Comerciales de préstamos y créditos本职业范围更窄暂定
2613Analistas 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
72144Finanzanalysten/-analystinnen - hoch komplexe Tätigkeiten有重叠，但不相同
72113Bankkaufleute - 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。

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