Credit Analysts.

We went through all 11 core tasks in this job, one at a time.

Task by task, from the work Credit Analysts actually do. How we describe AI use in each task is our own read of it, not a measurement of whether AI can replace the job.

1. TASK 01

   Generate financial ratios, using computer programs, to evaluate customers' financial status.

   AI DOES

   Calculates and formats financial ratios from structured data automatically

   YOU DO

   Interpret ratios in context and flag unusual business situations

2. TASK 02

   Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.

   AI DOES

   Scans financial statements, spots risk patterns, and generates draft credit summaries

   YOU DO

   Weigh context, business relationships, and edge cases that numbers alone don't capture

3. TASK 03

   Review individual or commercial customer files to identify and select delinquent accounts for collection.

   AI DOES

   Scans account files, applies delinquency rules, and flags or ranks accounts automatically

   YOU DO

   Apply judgment on unusual cases, customer relationships, and collection approach

4. TASK 04

   Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.

   AI DOES

   Drafts credit summaries, flags risk factors, and formats application documents from structured data

   YOU DO

   Verify borrower context, apply judgment on unusual cases, and own the recommendation

5. TASK 05

   Prepare reports that include the degree of risk involved in extending credit or lending money.

   AI DOES

   Pulls financial data, runs risk scoring models, and drafts standard report sections

   YOU DO

   Apply judgment on unique borrower circumstances and make the final credit call

6. TASK 06

   Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.

   AI DOES

   Screens financial ratios, flags risks, and summarizes trends across large datasets

   YOU DO

   Apply real-world judgment about management, industry shifts, and borrower context

7. TASK 07

   Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.

   AI DOES

   Pulls benchmark data, calculates ratios, and flags outliers against peer groups automatically

   YOU DO

   Judge whether differences reflect real risk or just business model quirks

8. TASK 08

   Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.

   AI DOES

   Scans payment history, flags patterns, and drafts initial plan options based on financial data

   YOU DO

   Weigh unusual circumstances and own the final payment plan decision

9. TASK 09

   Contact customers to collect payments on delinquent accounts.

   AI DOES

   Sends automated payment reminders, drafts call scripts, and flags high-priority accounts

   YOU DO

   Read the customer's tone and negotiate a real solution with empathy

10. TASK 10

    Confer with credit association and other business representatives to exchange credit information.

    AI DOES

    Drafts outreach messages, summarizes credit data, and preps talking points before calls

    YOU DO

    Build trust and read between the lines in real conversations

11. TASK 11

    Consult with customers to resolve complaints and verify financial and credit transactions.

    AI DOES

    Surfaces account history, flags discrepancies, and drafts response options

    YOU DO

    Listen to the customer, read the situation, and make the final call on resolution