Credit Analyst

Every time that you apply for a mortgage, a creditor will pull your credit report to determine if you are a risk of default. But it's not an algorithm that determines whether or not you're likely to pay back your bills. That's the job of a credit analyst.

This individual assesses whether individuals, businesses, municipalities, and even sovereign nations can pay back a loan. The job consists of a rigorous analysis of money coming in and money going out. They'll look at previous payments and debts. They'll assess broader macroeconomic conditions and historical trends.

It's a good job for people who like working under bright lights without windows.