Credit Authorizers, Checkers, and Clerks
In short: today's best AI models could do about 86% of this job's working time (projected from METR's April 2026 measurement and Epoch's November 2026 index) if the work were set up for them, and about the same by the end of 2028 if progress keeps its long-run pace. The people and hands-on work, about 14% of the time, stays with people.
Authorize credit charges against customers' accounts. Investigate history and credit standing of individuals or business establishments applying for credit. May interview applicants to obtain personal and financial data, determine credit worthiness, process applications, and notify customers of acceptance or rejection of credit.
12,030 people do this job in the US. $50,080 a year.
A typical 40-hour week
Not yet reviewed task by task- AI could take on35 h
- A person checks AI's work0 h
- Desk work AI can't do yet0 h
- Stays with people5 h
Credit Authorizers, Checkers, and Clerks, now: of a 40-hour week, AI could take on 35 hours, 0 hours become checking its work, 0 hours are desk work it can't do yet, and 5 hours stay with people.
The largest pieces: Compile and analyze credit information gathered by investigation (about 16 h); Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested (about 3 h); Review individual or commercial customer files to identify and select delinquent accounts for collection (about 3 h).
Estimates for a typical week of this job, if progress keeps its long-run pace, counting work the best models finish four times in five. Every task is below.
of the working time. Now is projected from METR's April 2026 measurement and Epoch's November 2026 index.
- 86%
- 10%
- 3%
of the work: Anthropic's measure of what people already bring to Claude at work (2025). It counts help with part of a task, so it can be higher than the share within reach.
On the chosen pace and reliability. Estimate.
Share of the working time within reach, now to 2030
Change assumptionsHide assumptionsLong-run pace, four in five
What each choice means: , , , , . Every pace starts from .
At this date and pace, models finish tasks up to 2.4 work days long four times in five.
How far this has come
With GPT-4, measured in March 2023, 0% of this job's working time was within reach at . With Claude 3.7 Sonnet, measured in February 2025, 3%. With Claude Mythos Preview (early), measured in April 2026, 66%. Today's estimate: 86%.
A backcast: today's task data with the best model METR had measured by each date. It shows how fast the models have moved, not what anyone forecast at the time.
Measured use over time
Of the Claude.ai conversations Anthropic sampled and tied to a work task, no reportable share went to this job's tasks in May 2026; 0 of its 16 tasks showed up. Within each of Anthropic's methods, never across a change: 0.037% to 0.05% (released February and March 2025); 0.0041% to 0.021% (August 2025 to February 2026).
Each release
| Conversations | Share | Rank | Tasks seen |
|---|---|---|---|
| Released February 2025 | 0.037% | 325 of 708 | 4 of 16 |
| Released March 2025 | 0.05% | 270 of 703 | 4 of 16 |
| The week of Aug 4, 2025 (released September 2025) | 0.0041% | 554 of 655 | 1 of 16 |
| The week of Nov 13, 2025 (released January 2026) | 0.017% | 411 of 672 | 4 of 16 |
| The week of Feb 5, 2026 (released March 2026) | 0.021% | 398 of 677 | 4 of 16 |
| April 2026 (released June 2026) | none | n/a | 0 of 16 |
| May 2026 (released June 2026) | none | n/a | 0 of 16 |
Measured, not estimated: Anthropic's samples of Claude.ai conversations, each tied by a model to an O*NET task, from the Anthropic Economic Index. It says where Claude's use goes, not how much of this job's working time it covers, so it is not on the same scale as the reach above. The releases differ in their sample, their classifier and the smallest share they report (the June 2026 file rounds each task to a hundredth of a percent, so a smaller task reads as none), which is why a change of method starts a new line. At least 96% of each older release's task-tied use matched this site's tasks, and all of the newest. Claude.ai only, so use through other tools and other companies' models is not in it. Every job ranked.
Robots and the physical work
Anthropic rates 4% of this job's working time as physical work. For 4% of the working time, a robot has been shown doing most of the task somewhere: 3% in a purpose-built cell, 1% in a structured facility. 0.05 of 3, the 577th highest of the 923 jobs.
- Not physical 96%
- In a purpose-built cell 3%
- In a structured facility 1%
Anthropic's rating, not this site's estimate: Claude Opus 5, searching the web, rated each physical O*NET task by the kind of setting in which a robot it could cite (deployed, sold or demonstrated) does most of the task, weighted by its own estimate of each task's share of the time (What work can robots do?, September 30, 2026, data CC BY 4.0; every job ranked). A robot shown somewhere is not a robot in your building: cost, setup and safety decide that. The share within reach on this page still counts no body work. The robot behind each rated task is under the task below.
The tasks
Sorted by . 16 tasks from .
| Task | Kind | |||
|---|---|---|---|---|
| Compile and analyze credit information gathered by investigation.Done daily by most who do it. | 41% | 1.3 h25 min to 3.3 h | 99%Half by now | |
| Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.Done several times a day by most who do it. | 7% | 25 min8 min to 50 min | 100%Half by now | |
| Prepare reports of findings and recommendations. AI observed on this task. | 7% | 50 min17 min to 2.5 h | 100%Half by now | |
| Review individual or commercial customer files to identify and select delinquent accounts for collection. | 7% | 50 min25 min to 2.5 h | 100%Half by now | |
| Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.Done daily by most who do it. | 7% | 25 min13 min to 50 min | Stays with people | |
| Contact former employers and other acquaintances to verify applicants' references, employment, health history, or social behavior. | 6% | 38 min13 min to 1.7 h | 100%Half by now | |
| Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.Done daily by most who do it. | 4% | 50 min17 min to 2.5 h | 100%Half by now | |
| Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.Done hourly or more by most who do it. | 4% | 13 min4 min to 33 min | 100%Half by now | |
| Keep records of customers' charges and payments.Done daily by most who do it. | 4% | 13 min4 min to 38 min | 100%Half by now | |
| Consult with customers to resolve complaints or verify financial or credit transactions. | 4% | 25 min13 min to 50 min | Stays with people | |
| Call customers to collect payment on delinquent accounts. | 2% | 17 min8 min to 38 min | 100%Half by now | |
| Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.Done daily by most who do it. AI observed on this task. | 2% | 8 min4 min to 21 min | 100%Half by now |
Within reach, per task: the share of the task's time whose instances are short enough for a model to finish at the chosen date, pace and reliability. Half by: the date half of that time comes within reach.
Jobs that share skills with this one
From O*NET's related occupations. Within reach now and by the end of 2028, long-run pace, four in five.
Where this job works
The industry groups that employ the most of it (BLS, May 2025).
- Credit Intermediation and Related Activities (5221 and 5223 only)1,570 people
- Nondepository Credit Intermediation1,560 people
- Management of Companies and Enterprises1,390 people
- Furniture and Home Furnishings Retailers1,350 people
- Merchant Wholesalers, Durable Goods (4232, 4233, 4235, 4236, 4237, and 4239 only)840 people
Where the most of these jobs are
The metro areas with the most people in it (BLS, May 2025).
Questions about this job
- How much of the work of Credit Authorizers, Checkers, and Clerks is within reach of AI now?
- An estimated 86% of the working time is within reach of AI models now and 86% by the end of 2028, on METR's long-run pace at four in five. Within reach means a model could finish work that long at that reliability. It is not a forecast of jobs lost or of savings.
- Which tasks of Credit Authorizers, Checkers, and Clerks come within reach first?
- Weighted by the time each takes, the tasks with the most within reach now (projected from METR's April 2026 measurement and Epoch's November 2026 index) are: Compile and analyze credit information gathered by investigation (99% of the task's time now); Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested (100% of the task's time now); and Review individual or commercial customer files to identify and select delinquent accounts for collection (100% of the task's time now).
- Which tasks of Credit Authorizers, Checkers, and Clerks stay with people?
- Tasks that are people work or body work are not counted as within reach at any date. The largest: Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report; Consult with customers to resolve complaints or verify financial or credit transactions; and Mail charge statements to customers. Together such tasks are about 14% of the working time.
- Do people already use AI for the work of Credit Authorizers, Checkers, and Clerks?
- In the Claude.ai conversations Anthropic sampled for May 2026, no reportable share went to this job's tasks. Anthropic's labor market measure puts the share of the job's tasks seen in real Claude use at work at 13%. These are measures of use, not of how much of the work AI could finish, and they cover Claude only.
- Can robots do the physical work of Credit Authorizers, Checkers, and Clerks?
- Anthropic's robot exposure rating (September 2026) finds 4% of the working time is physical work, and that a robot has been shown doing most of the task, somewhere, for 4% of the working time, 1% in a structured facility. Its index is 0.05 of 3. One example: Datacard CE870 instant issuance system + Entrust Financial Instant Issuance software for "prepare credit cards or charge account plates". A robot shown somewhere is not one in every workplace; this site's own estimates still count no physical work as within reach.
- How is this estimated?
- From the 16 tasks O*NET lists for the occupation, each with an estimated length checked against GDPval and a share of the working time, each classed as desk, people or body work, and METR's measurements of how long a task the best AI models can finish, carried forward to the date from the latest, Claude Mythos Preview (early) in April 2026. Data checked November 10, 2026.
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