Credit Counselors
Business and Financial Operations Occupations- O*NET-SOC code
- 13-2071.00
Advise and educate individuals or organizations on acquiring and managing debt. May provide guidance in determining the best type of loan and explain loan requirements or restrictions. May help develop debt management plans or student financial aid packages. May advise on credit issues, or provide budget, mortgage, bankruptcy, or student financial aid counseling.
- Data source: BLSPublished: 2026-08
Very high· relative
LowFour relative bandsVery highGroup-level value
Scale, basis and source
Four relative bands (Low / Moderate / High / Very high)
831 detailed occupations in the BLS Employment Projections table. Assigned per National Employment Matrix (NEM) code, so occupations sharing a NEM code carry the same band
- Data source: AnthropicPublished: 2026-03
0.234
0.000Range of values carried here0.745Scale, basis and source
Observed exposure index, 0–1 as published
Mapped onto O*NET tasks
Published per SOC 2018 occupation; every O*NET occupation with the same SOC 2018 code carries this value
- Data source: ILOPublished: 2025
0.60
0.09Range of values carried here0.70Group-level value
Scale, basis and source
Generative AI exposure index, 0–1 as published
Published per ISCO-08 unit group. Linked to this occupation, wholly or in part, by applying U.S. Bureau of Labor Statistics crosswalks (ISCO-08 to 2010 SOC, 2010 SOC to 2018 SOC) as published
What kind of figure this source publishes
The BLS category is a relative rank, not an absolute level, and it is not a first-hand measurement: it groups an occupation's percentile ranks across several published studies into four bands. It is not an employment or wage forecast, not a probability of adoption, and it does not separate automation from augmentation.
Task-level exposure
Exposed tasks only23 rated tasks · 22 tasks with β ≥ 0.5 (95.7%)
β = direct exposure (E1) + 0.5 × exposure when tools are available (E2), per the source repository's definition.
- Source unit: O*NET 27.2 tasks → O*NET 31.0 occupation code
- All rated tasks are in the O*NET 31.0 task list.
- Source
- OpenAI "GPTs are GPTs" exposure rubric
- Release
- gh-main-0471612
- License
- MIT License, Copyright (c) 2024 OpenAI
| Task (O*NET 20.1) | Claude.aiRaw / share % | APIRaw / share % |
|---|---|---|
Recommend strategies for clients to meet their financial goals, such as borrowing money through loans or loan programs, declaring bankruptcy, making budget adjustments, or enrolling in debt management plans.13-2071.00 | 0.107832.5 | 0.013021.9 |
Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.13-2071.00 | 0.101830.7 | 0.00569.4 |
Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.13-2071.00 | 0.044813.5 | 0.012020.1 |
Explain services or policies to clients, such as debt management program rules, the advantages and disadvantages of using services, or creditor concession policies.13-2071.00 | 0.02527.6 | 0.008313.9 |
Recommend educational materials or resources to clients on matters such as financial planning, budgeting, or credit.13-2071.00 | 0.02186.6 | —0 |
Teach courses or seminars on topics such as budgeting, managing personal finances, or financial literacy.13-2071.00 | 0.00872.6 | 0.00345.7 |
Assess clients' overall financial situation by reviewing income, assets, debts, expenses, credit reports, or other financial information.13-2071.00 | 0.00782.3 | 0.00579.6 |
Estimate time for debt repayment given amount of debt, interest rates, and available funds.13-2071.00 | 0.00551.7 | —0 |
Prepare written documents to establish contracts with or communicate financial recommendations to clients.13-2071.00 | 0.00351.1 | —0 |
Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed.13-2071.00 | 0.00250.8 | 0.00213.6 |
Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.13-2071.00 | 0.00230.7 | —0 |
Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries. | —0 | 0.009315.7 |
| Not observed on any surface — 11 task(s) — These tasks have no row in the source for this release. The 0 in the share row is a display-stage composition ratio; absence is what the — in the raw row states. | ||
Calculate clients' available monthly income to meet debt obligations. | —0 | —0 |
Interview clients by telephone or in person to gather financial information. | —0 | —0 |
Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or to set up payment plans. | —0 | —0 |
Prioritize client debt repayment to avoid dire consequences, such as bankruptcy or foreclosure or to reduce overall costs, such as by paying high-interest or short-term loans first. | —0 | —0 |
Refer clients to social service or community resources for needs beyond those of credit or debt counseling. | —0 | —0 |
Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention. | —0 | —0 |
Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments. | —0 | —0 |
Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs. | —0 | —0 |
Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions. | —0 | —0 |
Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems. | —0 | —0 |
Disburse funds from client accounts to creditors. | —0 | —0 |
Values in this tab are predicted labels, not observations. Eloundou et al. (2023) published two rating regimes — human raters and GPT-4 — and the β shown here is derived from the GPT-4 rater basis alone; the same task can take a different value under the other regime. The unit and the meaning differ from the observed shares (%) in the other tabs, so do not place them on the same axis.
| Task (O*NET 27.2) | βE1 + 0.5 × E2 |
|---|---|
Calculate clients' available monthly income to meet debt obligations.O*NET Task ID 18935 | 1.0 |
Estimate time for debt repayment, given amount of debt, interest rates, and available funds.O*NET Task ID 18937 | 1.0 |
Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.O*NET Task ID 18938 | 1.0 |
Prepare written documents to establish contracts with or communicate financial recommendations to clients.O*NET Task ID 18942 | 1.0 |
Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.O*NET Task ID 18952 | 1.0 |
Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions.O*NET Task ID 18953 | 1.0 |
Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.O*NET Task ID 18933 | 0.5 |
Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.O*NET Task ID 18934 | 0.5 |
Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.O*NET Task ID 18936 | 0.5 |
Interview clients by telephone or in person to gather financial information.O*NET Task ID 18939 | 0.5 |
Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.O*NET Task ID 18940 | 0.5 |
Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans.O*NET Task ID 18941 | 0.5 |
Prioritize client debt repayment to avoid dire consequences, such as bankruptcy or foreclosure or to reduce overall costs, such as by paying high-interest or short-term loans first.O*NET Task ID 18943 | 0.5 |
Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit.O*NET Task ID 18944 | 0.5 |
Recommend strategies for clients to meet their financial goals, such as borrowing money through loans or loan programs, declaring bankruptcy, making budget adjustments, or enrolling in debt management plans.O*NET Task ID 18945 | 0.5 |
Refer clients to social service or community resources for needs beyond those of credit or debt counseling.O*NET Task ID 18946 | 0.5 |
Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed.O*NET Task ID 18947 | 0.5 |
Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention.O*NET Task ID 18948 | 0.5 |
Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments.O*NET Task ID 18949 | 0.5 |
Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.O*NET Task ID 18950 | 0.5 |
Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems.O*NET Task ID 18954 | 0.5 |
Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy.O*NET Task ID 18955 | 0.5 |
Disburse funds from client accounts to creditors.O*NET Task ID 18951 | 0.0 |
β = E1 + 0.5 × E2 · E1 = tasks where direct LLM access alone cuts time by at least 50%, E2 = tasks where software built on top of an LLM cuts time by at least 50%. Values take only 0 / 0.5 / 1.0.
Data sources & licenses — O*NET®, Anthropic Economic Index, Eloundou et al. (2023): see full notices on the Credits page
All O*NET 31.0 task statements (23)
All O*NET 31.0 task statements for this occupation (English, as published; task type core or supplemental). Exposure values are not listed here; they are in the table above, next to each task statement as worded in the O*NET version each source used.
| Task (O*NET 31.0) | Type |
|---|---|
| Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat. | Core |
| Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information. | Core |
| Calculate clients' available monthly income to meet debt obligations. | Core |
| Create debt management plans, spending plans, or budgets to assist clients to meet financial goals. | Core |
| Estimate time for debt repayment, given amount of debt, interest rates, and available funds. | Core |
| Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies. | Core |
| Interview clients by telephone or in person to gather financial information. | Core |
| Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries. | Core |
| Prepare written documents to establish contracts with or communicate financial recommendations to clients. | Core |
| Prioritize client debt repayment to avoid dire consequences, such as bankruptcy or foreclosure or to reduce overall costs, such as by paying high-interest or short-term loans first. | Core |
| Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit. | Core |
| Recommend strategies for clients to meet their financial goals, such as borrowing money through loans or loan programs, declaring bankruptcy, making budget adjustments, or enrolling in debt management plans. | Core |
| Refer clients to social service or community resources for needs beyond those of credit or debt counseling. | Core |
| Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed. | Core |
| Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention. | Core |
| Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs. | Core |
| Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions. | Core |
| Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions. | Core |
| Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy. | Core |
| Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans. | Supplemental |
| Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments. | Supplemental |
| Disburse funds from client accounts to creditors. | Supplemental |
| Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems. | Supplemental |
0.00/ 3· Robot exposure index
Scale, basis and source
Each physical task is graded 0–3 by the setting in which robots that have been deployed, sold or demonstrated could do it (0 none · 1 purpose-built robot settings such as a fenced machine cell or a bottling line · 2 structured facilities such as a hospital pharmacy or a container port · 3 unstructured settings such as a private home or a construction site), and the grades are averaged by share of working time
Physical tasks among this occupation's O*NET 29.3 tasks
Anthropic estimated the grades and time shares with Claude Opus 5 using web search, as of 2026.
The robot exposure index is a different measure from the AI exposure figures on this site and cannot be added to or compared with them. It does not measure actual adoption or cost, and 0 also covers occupations with no physical tasks.
Tier of each physical task
None of this occupation's O*NET 29.3 tasks is classified as a physical task.
Occupation information
Employment outlook (BLS)
- Employment, 2025
- 31K
- Projected employment, 2035
- 32K
- Change (2025–35)
- +3.3%
- Median annual wage, 2025
- $52,230
- Typical education needed for entry
- Bachelor's degree
Korea classification links (KSCO)
Links from the current release of the Korea Occupation Direct Crosswalk v1.1, made by AI Changing Work. Relation values are read from the O*NET-SOC occupation side.
| KSCO code | KSCO title | Relation | Status |
|---|---|---|---|
| 28229 | 그 외 자산 운용가 | Related, not a match | confirmed |
Relation and status definitions(kr-direct v1.1)
ILO occupational description
AI Changing Work links the ISCO-08 unit groups below to this occupation by applying the U.S. Bureau of Labor Statistics crosswalks (2018 SOC to 2010 SOC, 2010 SOC to ISCO-08) as published, without case-by-case selection; each link may be whole or partial.
- ISCO-08 3312Credit and Loans Officers
The definition, tasks and examples below are the ILO's description of that unit group, not of this occupation.
Credit and loans officers analyse and evaluate financial information on applications for credit and loans and determine approval or disapproval of the client for the credit or loan, or recommend to management approval or disapproval.
Tasks
- (a) interviewing applicants for personal, mortgage, student and business loans;
- (b) researching and evaluating loan applicant’s financial status, references, credit and ability to repay the loan;
- (c) submitting credit and loan applications to management with recommendations for approval or rejection;
- (d) approving or rejecting loan applications within authorized limits ensuring that credit standards of the institution are respected;
- (e) keeping records of payments, and preparing routine letters requesting payment for overdue accounts and forwarding these for legal action;
- (f) completing credit and loan documentation.
Example occupations
Loans officer · Mortgage officer
Sources: ILO ISCO-08 — details: Credits
ESCO occupational vocabulary
Each entry below is matched to this occupation in the published ESCO-O*NET Crosswalk (version 1, 2022). The match types are that crosswalk's; the wording is AI Changing Work's.
- credit adviserESCO 3312.2Same scope
Credit advisers offer guidance to customers related to credit services. They assess the customer's financial situation and debt issues arisen from credit cards, medical bills and car loans in order to identify optimal credit solutions for customers and also provide debt elimination plans to adjust their finances if needed. They prepare qualitative credit analyses and decision-making material in respect of defined customers in conformity with the bank's strategy on credit policy, ensure the credit quality and follow up on the performance of the credit portfolio. Credit advisers also have expertise in debt management and credit consolidation.
- student financial support coordinatorESCO 3312.7This occupation is broader
Student financial support coordinators assist students and education administrators in the management of tuition fees and student loans. They advise on and determine the amounts and the eligibility of student loans, advise students on available, suitable loans and liaise with outside loans sources, such as banks, to facilitate the student loan process. They make professional judgement decisions concerning students' eligibility for financial aid and may set up counsel meetings including the student's parents to discuss financial support issues and solutions.
- corporate banking managerESCO 2412.2Overlapping, not the same
Corporate banking managers offer advice on a broad range of financial goods and services such as securities services, credit services, cash management, insurance products, leasing, information on merges and acquisitions and capital markets activities, to institutions and organisations.
- credit analystESCO 3312.2.1Overlapping, not the same
Credit analysts investigate credit applications from customers and evaluate if the applications comply with regulations and guidelines of the financial loan-granting institution. On the basis of credit analyses they advise financial institutions whether customers are loan worthy. They perform tasks such as collecting data on the loan applicant, aquire additional information from other departments or institutions and indicating what sort of agreements the financial institution should reach with the credit applicant. Credit analysts also follow up on the development of the credit portfolio of clients.
Source: European Commission, DG EMPL — ESCO API 2026-08-08 (bridge v1.2.1)
License: CC BY 4.0 (EU Reuse Notice)
ESCO reuse terms and the modification notice are in Credits.
France classification links (ROME)
AI Changing Work's links between this occupation and ROME 4.0 job profiles, judged with AI models. Relations are read from this occupation's side. Links marked “provisional” were adopted on the judgments of two judges from the same model family (Claude) alone, or by an operator rule applied to their judgments, so they rest on weaker evidence than confirmed links.
| ROME code | ROME title (French) | Relation |
|---|---|---|
| C1217 | Conseiller commercial / Conseillère commerciale de banque | Related, not a match |
| K1225 | Conseiller / Conseillère en économie sociale et familiale (CESF) | Related, not a match |
Source: France Travail — Répertoire Opérationnel des Métiers et des Emplois (ROME 4.0), version 61, last updated 15 June 2026 (https://www.data.gouv.fr/datasets/repertoire-operationnel-des-metiers-et-des-emplois-rome). Licence Ouverte 2.0.
ROME codes and titles are reproduced unchanged; the links to O*NET-SOC occupations are AI Changing Work's own judgment and are not a France Travail correspondence.
(AI Changing Work link release: fr-direct v1)
Spain classification links (CNO-11)
AI Changing Work's links between this occupation and CNO-11 occupations, judged with AI models. Relations are read from this occupation's side.
| CNO-11 code | CNO-11 title (Spanish) | Relation |
|---|---|---|
| 2612 | Asesores financieros y en inversiones | Related, not a match |
| 3402 | Comerciales de préstamos y créditos | Related, not a match |
Source: Instituto Nacional de Estadística (INE), National Classification of Occupations 2011 (CNO-11, Royal Decree 1591/2010) — www.ine.es · Licensed CC BY 4.0. CNO-11 codes and Spanish titles are reproduced unchanged; the links to O*NET occupations are AI Changing Work's own judgment and are not an INE correspondence.
(AI Changing Work link release: es-direct v1)
Germany classification links (KldB)
AI Changing Work's links between this occupation and KldB occupations, judged with AI models. Relations are read from this occupation's side.
| KldB code | KldB title (German) | Relation |
|---|---|---|
| 83154 | Berufe in der Sozial-, Erziehungs- und Suchtberatung - hoch komplexe Tätigkeiten | This occupation is narrower |
| 83223 | Berufe in der Verbraucherberatung - komplexe Spezialistentätigkeiten | Related, not a match |
Source: © Statistik der Bundesagentur für Arbeit — Klassifikation der Berufe 2010 – überarbeitete Fassung 2020, https://statistik.arbeitsagentur.de. KldB codes and titles are reproduced unchanged; the links to O*NET occupations are AI Changing Work's own mapping (eigene Zuordnung) and are not a Bundesagentur für Arbeit correspondence.
(AI Changing Work link release: de-direct v1)
Japan classification links (JSCO)
AI Changing Work's links between this occupation and JSCO occupations, judged with AI models. Relations are read from this occupation's side.
| JSCO code | JSCO title (Japanese) | Relation |
|---|---|---|
| 189 | その他の経営・金融・保険専門職業従事者 | Related, not a match |
Source: Ministry of Internal Affairs and Communications (MIC), Japan Standard Occupational Classification (Dec. 2009, MIC Notification No. 555). JSCO codes and Japanese titles are reproduced unchanged; the links to O*NET occupations are AI Changing Work's own judgment and are not a MIC correspondence.
(AI Changing Work link release: jp-direct v1)
Sources, licenses and AI Changing Work's modification and translation notices for this page: Credits & sources