Will AI replace Credit Authorizers, Checkers, and Clerks?

AI can do 92% of the work Credit Authorizers, Checkers, and Clerks do at least twice as fast. People already use it for 3 of their 16 tasks, while 11 more are ready but barely used so far. 2 still need a person.

AI is already doing this3 · 16% of time

People already use AI for these tasks in real work, based on Anthropic's analysis of how Claude is used.

  • Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.Mostly automated8% of time
  • Prepare reports of findings and recommendations.Mostly assisted5% of time
  • Relay credit report information to subscribers by mail or by telephone.Mostly automated3% of time

AI could do this next11 · 76% of time

AI can speed these up by at least half, but real use has not caught up yet. These are next in line.

  • Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.18% of time
  • Compile and analyze credit information gathered by investigation.12% of time
  • Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.11% of time
  • Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.9% of time
  • Consult with customers to resolve complaints or verify financial or credit transactions.8% of time
  • Keep records of customers' charges and payments.7% of time
  • Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.4% of time
  • Review individual or commercial customer files to identify and select delinquent accounts for collection.4% of time
  • File sales slips in customers' ledgers for billing purposes.1% of time
  • Mail charge statements to customers.1% of time
  • Prepare credit cards or charge account plates.1% of time

Still needs a person2 · 8% of time

No real AI use, no proven AI speedup and no robot that can do it yet. This is the part of the job to build on.

  • Call customers to collect payment on delinquent accounts.5% of time
  • Contact former employers and other acquaintances to verify applicants' references, employment, health history, or social behavior.3% of time

Your week is not the average

Describe what you actually do and get a personal report: your own tasks, what AI can already do, what stays yours and a 90 day plan.

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What this means

AI can already do almost all of this work at least twice as fast. Real use is still behind at 14 out of 100, so the change here is only getting started. Expect the role to shift toward deciding what to do, checking AI's work and owning the result.

What to do next

  • Do the 3 tasks AI is already handling with AI yourself. Your peers already are, and it is quickly becoming the baseline.
  • Get ahead on the 11 tasks AI could do next. These move as tools improve, so learning them early pays off.
  • Build on the 2 tasks that stay human. This is where your judgment, skill and relationships matter most.
Loan Interviewers and Clerks93%Court, Municipal, and License Clerks88%Brokerage Clerks87%Correspondence Clerks97%Customer Service Representatives97%Eligibility Interviewers, Government Programs97%

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