Credit Analyst (13-2041.00)

Career Family

Business & Financial Operations → Banking & Credit Risk

Fit Summary

Conventional (C) + Investigative (I); MBTI often ISTJ/INTJ/ESTJ — analysis, policy, and risk judgment.

Career Overview

Analyze financial statements and borrower data; assess creditworthiness and collateral; assign risk ratings; prepare credit memos; monitor portfolios and covenant compliance; interact with relationship managers.

Credential Pathways

Typical Education: Bachelor’s in finance/accounting/econ; modeling and data skills valued (Job Zone 4).

Pathways: Credit analyst → senior analyst → portfolio manager → credit officer; path to underwriting or corporate banking.

Regulatory Moat: Regulatory and policy frameworks, documentation standards, and internal rating systems.

Alternative Pathways: FP&A, underwriting, or risk analytics roles.

Environment & Lifestyle

• Work Environment: Banks and lenders; office/remote‑hybrid.
• Sensory/Social Load: Moderate — deal teams and client calls.
• Physicality/Fieldwork: Low.
• Geographic Anchoring: Financial centers and regional banks.
• Remote Amenability: High.

Future-Proofing Snapshot

• AI Augmentation Potential: High — models and document extraction.
• AI Displacement Risk: Medium — routine spreading may automate.
• AI New Task Creation: Some — model oversight and portfolio analytics.
• AI Skill Shift Intensity: Medium — data tools and policy updates.
• Automation Risk Score: Medium.
• Human-Core Score: Strong — judgment and communication.

Risks / Watchpoints

• Economic cycles and sector volatility.
• Model risk and data quality issues.
• Documentation and regulatory scrutiny.

Notes on Fit

Great for Conventional/Investigative students who like turning numbers into prudent lending decisions.

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