Credit Authorizers, Checkers, and Clerks
Machines can already do 57% of this job's tasks. By 2035 that rises to 84%. Most of the work is changing now.
Share of the work machines can do
Worldwide baseline, 2026 to 2050
Credit Authorizers, Checkers, and Clerks in 2026: the short answer
- Today: machines can do 57% of this job's tasks, and AI use is already seen in 13% of them.
- Forecast: machines can already do half of its tasks, and 84% by 2035, according to the 311 Strategic Intelligence Unit.
- Size: 12,030 people do this job in the United States, on a median pay of $50,080 a year.
- Contact with people: it scores 86% for contact with people.
- Also called: Commercial Credit Reviewer, Commercial Loan Reviewer, Credit Investigator, Credit Processor.
Updated by the 311 Strategic Intelligence Unit. These are worldwide baseline figures; the Workforce Starburst shows them for your country. Go deeper: How ready am I? or an executive briefing.
How the work changes, task by task
The tasks that take up most of the day, with the share of each that machines can do in 2026 (dark) and 2035 (pink). Worldwide baseline.
| Task | Share of the day | Machines can do | 2026 to 2035 |
|---|---|---|---|
| Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards | 18% | 60% to 90% | |
| Compile and analyze credit information gathered by investigation | 12% | 65% to 92% | |
| Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested | 11% | 55% to 85% | |
| Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report | 9% | 55% to 85% | |
| Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone | 8% | 84% to 97% | |
| Consult with customers to resolve complaints or verify financial or credit transactions | 8% | 20% to 40% | |
| Keep records of customers' charges and payments | 7% | 70% to 95% | |
| Call customers to collect payment on delinquent accounts | 5% | 42% to 68% |
The skills this job runs on
The skills credit authorizers, checkers, and clerks use most, most used first.
Safer jobs nearby
Jobs with a similar skill shape where machines can do less of the work by 2035.
- Tax Examiners and Collectors, and Revenue Agents73% of tasks by 2035 · US median $62,370
- Procurement Clerks81% of tasks by 2035 · US median $50,580
- Bill and Account Collectors69% of tasks by 2035 · US median $47,030
- Credit Counselors77% of tasks by 2035 · US median $52,230
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Questions
When will machines do half of the tasks of Credit Authorizers, Checkers, and Clerks?
Machines can already do half of its tasks. That is the worldwide baseline from the 311 Workforce Starburst, before adjusting for country.
Will AI take the job of credit authorizers, checkers, and clerks?
Machines can do 57% of the tasks of credit authorizers, checkers, and clerks today and 84% by 2035. Most of the routine work moves to machines, and the people in the job move to oversight, judgement and client work.
Sources and citing
Tasks and their share of the day: O*NET 31.0, occupation 43-4041.00 (US Department of Labor, CC BY 4.0). Pay and jobs: US Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025. AI use today: Anthropic Economic Index (CC BY). Scoring and forecast: the 311 Strategic Intelligence Unit; after 2035 the figures extend each trend, with lower confidence. Foresight, not advice.
Cite as: 311 Institute (2026). Credit Authorizers, Checkers, and Clerks: the outlook to 2050. 311 Workforce Starburst. https://www.311institute.com/jobs/credit-authorizers-checkers-and-clerks/