ISCO-08 2413
Financial analysts
93.9%
ADI · 40th of 433 · 95% interval 84.9–99.6
An AI agent can at least partly carry out 93.9% of the task time of financial analysts, and finish 8.4% alone. The barrier that holds most of the rest back is access to the systems the work runs on.
ADI · partial or full93.9%
40th of 433 · interval 84.9–99.6
ADI3 · full delegation8.4%
42nd of 433 · interval 0.9–19.2
ADIs · share of time61.8%
45th of 433 · interval 56.6–66.3
Evidence84
task statements rated by two models and weighted by importance and frequency. World employment: 1.6 million.
Task weight by level
How the tasks rate
L0No meaningful role · 0.0%L1Augmentation · 6.1%L2Partial delegation · 85.3%L3Full delegation · 8.4%
Barriers
What stops the agent
Share of task weight flagged by each barrier; a task can carry several.
84 task statements, heaviest first
| Task statement (O*NET occupation) | Sonnet · Haiku | Barriers | ||||
|---|---|---|---|---|---|---|
| Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.Credit Analysts | 5.8% | L2 | L2L2 | 70% | 3.0 h | Accountability, Access to systems |
| Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.Credit Analysts | 5.0% | L2 | L2L2 | 68% | 4.0 h | Accountability, Access to systems |
| Generate financial ratios, using computer programs, to evaluate customers' financial status.Credit Analysts | 5.0% | L3 | L3L3 | 88% | 52 min | – |
| Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.Credit Analysts | 4.7% | L2 | L2L2 | 68% | 3.5 h | Accountability, Access to systems |
| Prepare reports that include the degree of risk involved in extending credit or lending money.Credit Analysts | 4.6% | L2 | L2L2 | 70% | 4.0 h | Accountability, Access to systems |
| Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.Credit Analysts | 4.2% | L2 | L2L2 | 72% | 2.0 h | Access to systems |
| Direct and participate in formal and informal meetings with bank directors, trustees, senior management, counsels, outside accountants, and consultants to gather information and discuss findings.Financial Examiners | 3.8% | L1 | L1L1 | 22% | 1.8 h | Accountability, Trust and care, Access to systems |
| Review balance sheets, operating income and expense accounts, and loan documentation to confirm institution assets and liabilities.Financial Examiners | 3.3% | L2 | L2L2 | 62% | 5.5 h | Accountability, Access to systems |
| Plan, supervise, and review work of assigned subordinates.Financial Examiners | 3.2% | L2 | L2L2 | 45% | 2.5 h | Accountability, Trust and care, Access to systems |
| Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.Credit Analysts · supplemental task | 3.1% | L2 | L2L2 | 68% | 45 min | Accountability, Access to systems |
| Recommend actions to ensure compliance with laws and regulations, or to protect solvency of institutions.Financial Examiners | 3.1% | L2 | L2L2 | 58% | 4.0 h | Accountability, Access to systems |
| Prepare reports, exhibits, and other supporting schedules that detail an institution's safety and soundness, compliance with laws and regulations, and recommended solutions to questionable financial conditions.Financial Examiners | 2.9% | L2 | L2L2 | 60% | 7.0 h | Accountability, Access to systems |
| Investigate activities of institutions to enforce laws and regulations and to ensure legality of transactions and operations or financial solvency.Financial Examiners | 2.7% | L2 | L2L2 | 48% | 22 h | Physical presence, Accountability, Trust and care, Access to systems |
| Review audit reports of internal and external auditors to monitor adequacy of scope of reports or to discover specific weaknesses in internal routines.Financial Examiners | 2.5% | L2 | L2L2 | 68% | 3.0 h | Accountability, Access to systems |
| Examine the minutes of meetings of directors, stockholders, and committees to investigate the specific authority extended at various levels of management.Financial Examiners | 2.5% | L2 | L2L2 | 70% | 2.5 h | Accountability, Access to systems |
Show the other 69 tasks
| Task statement (O*NET occupation) | Sonnet · Haiku | Barriers | ||||
|---|---|---|---|---|---|---|
| Resolve problems concerning the overall financial integrity of banking institutions including loan investment portfolios, capital, earnings, and specific or large troubled accounts.Financial Examiners | 2.4% | L2 | L2L2 | 50% | 6.0 h | Accountability, Trust and care, Access to systems |
| Train other examiners in the financial examination process.Financial Examiners | 2.4% | L2 | L2L2 | 50% | 4.0 h | Trust and care, Access to systems |
| Review individual or commercial customer files to identify and select delinquent accounts for collection.Credit Analysts · supplemental task | 2.1% | L3 | L3L3 | 82% | 1.0 h | Access to systems |
| Evaluate data processing applications for institutions under examination to develop recommendations for coordinating existing systems with examination procedures.Financial Examiners | 2.0% | L2 | L2L2 | 55% | 6.0 h | Accountability, Access to systems |
| Confer with credit association and other business representatives to exchange credit information.Credit Analysts · supplemental task | 2.0% | L2 | L2L2 | 45% | 38 min | Accountability, Trust and care, Access to systems |
| Review and analyze new, proposed, or revised laws, regulations, policies, and procedures to interpret their meaning and determine their impact.Financial Examiners | 1.9% | L2 | L2L2 | 70% | 4.0 h | Accountability |
| Establish guidelines for procedures and policies that comply with new and revised regulations and direct their implementation.Financial Examiners | 1.9% | L2 | L2L2 | 58% | 6.0 h | Accountability, Access to systems |
| Consult with customers to resolve complaints and verify financial and credit transactions.Credit Analysts | 1.8% | L2 | L2L2 | 55% | 45 min | Accountability, Trust and care, Access to systems |
| Contact customers to collect payments on delinquent accounts.Credit Analysts · supplemental task | 1.7% | L2 | L2L2 | 62% | 18 min | Accountability, Trust and care, Access to systems |
| Provide regulatory compliance training to employees.Financial Examiners | 1.5% | L2 | L2L2 | 60% | 3.5 h | Accountability, Trust and care, Access to systems |
| Verify and inspect cash reserves, assigned collateral, and bank-owned securities to check internal control procedures.Financial Examiners | 1.4% | L2 | L2L2 | 42% | 6.0 h | Physical presence, Accountability, Access to systems |
| Review applications for mergers, acquisitions, establishment of new institutions, acceptance in Federal Reserve System, or registration of securities sales to determine their public interest value and conformance to regulations, and recommend acceptance or rejection.Financial Examiners | 1.3% | L2 | L2L2 | 60% | 6.0 h | Accountability, Access to systems |
| Confer with officials of real estate, securities, or financial institution industries to exchange views and discuss issues or pending cases.Financial Examiners · supplemental task | 1.2% | L1 | L1L1 | 25% | 1.3 h | Accountability, Trust and care, Access to systems |
| Prepare all materials for transactions or execution of deals.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 62% | 9.0 h | Accountability, Access to systems |
| Interpret data on price, yield, stability, future investment-risk trends, economic influences, and other factors affecting investment programs.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 68% | 4.0 h | Accountability, Access to systems |
| Monitor developments in the fields of industrial technology, business, finance, and economic theory.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L3 | 78% | 1.5 h | Access to systems |
| Monitor fundamental economic, industrial, and corporate developments by analyzing information from financial publications and services, investment banking firms, government agencies, trade publications, company sources, or personal interviews.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 70% | 3.0 h | Access to systems |
| Perform securities valuation or pricing.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 70% | 3.0 h | Accountability, Access to systems |
| Evaluate capital needs of clients and assess market conditions to inform structuring of financial packages.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 62% | 4.0 h | Accountability, Trust and care, Access to systems |
| Prepare plans of action for investment, using financial analyses.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 68% | 4.0 h | Accountability, Access to systems |
| Present oral or written reports on general economic trends, individual corporations, and entire industries.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 65% | 4.0 h | Accountability, Trust and care, Access to systems |
| Purchase investments for companies in accordance with company policy.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 58% | 3.0 h | Accountability, Access to systems |
| Specialize in green financial instruments, such as socially responsible mutual funds or exchange-traded funds (ETF) that are comprised of green companies.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 65% | 6.0 h | Accountability, Access to systems |
| Supervise, train, or mentor junior team members.Financial and Investment Analysts · supplemental task | 0.4% | L1 | L1L2 | 30% | 1.3 h | Trust and care |
| Recommend investments and investment timing to companies, investment firm staff, or the public.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 62% | 3.5 h | Accountability, Trust and care, Access to systems |
| Inform investment decisions by analyzing financial information to forecast business, industry, or economic conditions.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 68% | 7.0 h | Accountability, Access to systems |
| Evaluate and compare the relative quality of various securities in a given industry.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 72% | 6.0 h | Accountability, Access to systems |
| Conduct financial analyses related to investments in green construction or green retrofitting projects.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 70% | 6.5 h | Access to systems |
| Employ financial models to develop solutions to financial problems or to assess the financial or capital impact of transactions.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 65% | 4.0 h | Access to systems |
| Advise clients on aspects of capitalization, such as amounts, sources, or timing.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 62% | 4.0 h | Accountability, Trust and care |
| Analyze financial or operational performance of companies facing financial difficulties to identify or recommend remedies.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 65% | 8.0 h | Access to systems |
| Assess companies as investments for clients by examining company facilities.Financial and Investment Analysts · supplemental task | 0.4% | L1 | L1L2 | 35% | 6.0 h | Physical presence, Accountability, Access to systems |
| Collaborate with investment bankers to attract new corporate clients.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 50% | 6.0 h | Trust and care, Access to systems |
| Collaborate on projects with other professionals, such as lawyers, accountants, or public relations experts.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 42% | 2.5 h | Trust and care |
| Confer with clients to restructure debt, refinance debt, or raise new debt.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 42% | 3.0 h | Accountability, Trust and care, Access to systems |
| Create client presentations of plan details.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 62% | 4.0 h | Accountability, Trust and care |
| Determine the prices at which securities should be syndicated and offered to the public.Financial and Investment Analysts · supplemental task | 0.4% | L2 | L2L2 | 58% | 14 h | Accountability, Trust and care, Access to systems |
| Develop and maintain client relationships.Financial and Investment Analysts · supplemental task | 0.4% | L1 | L1L2 | 32% | 2.5 h | Accountability, Trust and care, Access to systems |
| Draw charts and graphs, using computer spreadsheets, to illustrate technical reports.Financial and Investment Analysts · supplemental task | 0.4% | L3 | L3L3 | 88% | 1.5 h | – |
| Monitor developments in the fields of industrial technology, business, finance, and economic theory.Financial Risk Specialists · supplemental task | 0.3% | L3 | L3L3 | 82% | 1.5 h | – |
| Identify key risks and mitigating factors of potential investments, such as asset types and values, legal and ownership structures, professional reputations, customer bases, or industry segments.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 62% | 3.5 h | Access to systems |
| Inform financial decisions by analyzing financial information to forecast business, industry, or economic conditions.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 70% | 4.0 h | Access to systems |
| Interpret data on price, yield, stability, future investment-risk trends, economic influences, and other factors affecting investment programs.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 68% | 4.0 h | Accountability, Access to systems |
| Maintain input or data quality of risk management systems.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 60% | 3.0 h | Accountability, Access to systems |
| Meet with clients to answer queries on subjects such as risk exposure, market scenarios, or values-at-risk calculations.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 45% | 1.0 h | Accountability, Trust and care, Access to systems |
| Review or draft risk disclosures for offer documents.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 70% | 3.0 h | Accountability, Access to systems |
| Prepare plans of action for investment, using financial analyses.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 65% | 4.0 h | Accountability, Access to systems |
| Produce reports or presentations that outline findings, explain risk positions, or recommend changes.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 70% | 4.5 h | Accountability, Access to systems |
| Provide statistical modeling advice to other departments.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 60% | 2.0 h | Trust and care, Access to systems |
| Recommend investments and investment timing to companies, investment firm staff, or the public.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 62% | 3.0 h | Accountability, Trust and care |
| Recommend ways to control or reduce risk.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 60% | 3.0 h | Accountability, Access to systems |
| Evaluate the risks related to green investments, such as renewable energy company stocks.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 70% | 4.0 h | Accountability, Access to systems |
| Gather risk-related data from internal or external resources.Financial Risk Specialists · supplemental task | 0.3% | L3 | L3L3 | 85% | 2.0 h | Access to systems |
| Develop or implement risk-assessment models or methodologies.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 62% | 12 h | Accountability, Access to systems |
| Evaluate the risks and benefits involved in implementing green building technologies.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 70% | 6.0 h | Accountability, Access to systems |
| Evaluate and compare the relative quality of various securities in a given industry.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L3 | 78% | 6.0 h | Access to systems |
| Draw charts and graphs, using computer spreadsheets, to illustrate technical reports.Financial Risk Specialists · supplemental task | 0.3% | L3 | L3L3 | 85% | 1.3 h | – |
| Document, and ensure communication of, key risks.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 65% | 3.0 h | Accountability, Trust and care, Access to systems |
| Devise systems or processes to monitor validity of risk assessments.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 60% | 6.0 h | Accountability, Access to systems |
| Devise scenario analyses reflecting possible severe market events.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 62% | 6.0 h | Accountability, Access to systems |
| Develop contingency plans to deal with emergencies.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 62% | 6.0 h | Accountability, Access to systems |
| Determine potential environmental impacts of new products or processes on long-term growth and profitability.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 62% | 6.0 h | Access to systems |
| Contribute to development of risk management systems.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 58% | 6.0 h | Accountability, Access to systems |
| Consult financial literature to ensure use of the latest models or statistical techniques.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 72% | 3.5 h | Access to systems |
| Confer with traders to identify and communicate risks associated with specific trading strategies or positions.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 55% | 1.3 h | Trust and care, Access to systems |
| Conduct statistical analyses to quantify risk, using statistical analysis software or econometric models.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 72% | 4.0 h | Access to systems |
| Analyze new legislation to determine impact on risk exposure.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 62% | 4.0 h | Accountability, Access to systems |
| Analyze areas of potential risk to the assets, earning capacity, or success of organizations.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 65% | 4.0 h | Accountability, Access to systems |
| Track, measure, or report on aspects of market risk for traded issues.Financial Risk Specialists · supplemental task | 0.3% | L2 | L2L2 | 70% | 3.0 h | Access to systems |
Level: consensus of the two models (the lower level when they disagree). Share: part of the task’s working time an agent could take over. Human time: minutes a competent person needs for one instance, as estimated by the models.
Against other measures
Exposure is not delegation
| Measure | Value | Percentile | Pct |
|---|---|---|---|
| ADI (this index) | 93.9% | 91 | |
| Eloundou et al. (2024), GPT exposure β | 0.517 | 81 | |
| Felten et al. (2021), AI occupational exposure | 1.423 | 99 | |
| Webb (2020), AI patent exposure | 65.4 | 58 | |
| Eisfeldt et al. (2026), generative AI exposure | 0.535 | 90 | |
| Anthropic Economic Index, observed use | 0.168 | 80 |
Earlier indices measure whether AI can touch a task; ADI measures how much of it an agent can carry out from a goal. – : the source does not cover this occupation.
Same sub-major group (24)
Neighbouring occupations
| Occupation | ADI | % |
|---|---|---|
| Training and staff development professionals 2424 | 100.0 | |
| Advertising and marketing professionals 2431 | 97.2 | |
| Accountants 2411 | 97.0 | |
| Financial and investment advisers 2412 | 95.2 | |
| Public relations professionals 2432 | 93.0 | |
| Management and organisation analysts 2421 | 92.5 | |
| Information and communications technology sales professionals 2434 | 90.8 | |
| Policy administration professionals 2422 | 90.6 | |
| Technical and medical sales professionals (excluding ICT) 2433 | 89.5 | |
| Personnel and careers professionals 2423 | 84.9 |
Dashed line: financial analysts (93.9%).
Cite this record
Text
Espinal Maya, Cristian, and Santiago Jiménez Londoño. 2026. ADI v2026.1: Agent Delegability Index data, code and MCP server. Zenodo. https://doi.org/10.5281/zenodo.23552918. Record: Financial analysts (ISCO-08 2413), https://balamlabs.org/adi/occupations/2413
BibTeX
@misc{espinal2026adidata,
title = {{ADI} v2026.1: Agent Delegability Index data, code and {MCP} server},
author = {Espinal Maya, Cristian and Jim{\'e}nez Londo{\~n}o, Santiago},
year = {2026},
publisher = {Zenodo},
version = {v2026.1},
doi = {10.5281/zenodo.23552918},
url = {https://doi.org/10.5281/zenodo.23552918},
note = {Record: Financial analysts (ISCO-08 2413)}
}Machine-readable
The same record as static JSON, with its citation: /adi/v2026.1/isco/2413.json.