Jobs / Finance and accounting / 13-2041.00
Credit Analysts
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.
- US jobs
- 64,390
- Median wage
- $83,510 a year
- Job family
- Finance and accounting
Can agents do the work of credit analysts?
We read the evidence at the level of the job family, Finance and accounting:
- Task levelPartialOn Vals AI's Finance Agent benchmark, where agents research SEC filings to answer an analyst's questions, the best model scores 64.4%. Adjacent spreadsheet tasks score higher (83.1% on SpreadsheetBench). No task-level benchmark in our collection tests bookkeeping or audit work inside accounting systems.
- Project levelPartialOn APEX-Agents, which includes investment-banking tasks written by professionals, the best agent passes 73.5% of tasks on the first try (all domains). OpenAI reports that GPT-5.5's GDPval deliverables, from occupations that include accountants and financial managers, won or tied against professionals' work in 84.9% of comparisons.
Benchmarks for the job family
These cover work in finance and accounting, not always this occupation's tasks.
- 1846 EloClaude Opus 5.5 (Adaptive Reasoning, Max Effort, Default Fallback) · 23 Sep 2026Unrated
Typical tasks
From O*NET 31.0. Core tasks first. Few of these tasks have a benchmark today.
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
- Generate financial ratios, using computer programs, to evaluate customers' financial status.
- Prepare reports that include the degree of risk involved in extending credit or lending money.
- Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
- Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
- Consult with customers to resolve complaints and verify financial and credit transactions.
- Contact customers to collect payments on delinquent accounts.
- Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.
- Review individual or commercial customer files to identify and select delinquent accounts for collection.
- Confer with credit association and other business representatives to exchange credit information.
Other job titles for this occupation (21)
Credit Administrator · Credit Analyst · Credit and Collections Analyst · Credit Officer · Credit Representative · Credit Risk Analyst · Municipal Fixed Income Analyst · Commercial Credit Analyst · Commercial Credit Manager · Credit Assessment Analyst · Credit Assistant Manager · Credit Coordinator · Credit Manager · Credit Negotiator · Credit Portfolio Manager · Credit Risk Manager · Credit Risk Specialist · Credit Specialist · Escrow Representative · Factorer · Loan Review Analyst