Loan Officers
Business and Financial Operations Occupations- O*NET-SOC code
- 13-2072.00
Evaluate, authorize, or recommend approval of commercial, real estate, or credit loans. Advise borrowers on financial status and payment methods. Includes mortgage loan officers and agents, collection analysts, loan servicing officers, loan underwriters, and payday loan officers.
AI exposure
- 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
0.186
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.
AI exposure (OpenAI rubric)
30 rated tasks · 29 tasks with β ≥ 0.5 (96.7%)
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
Tasks
Task statements from the O*NET® 31.0 Database, core tasks first.
| Task | Type | β (OpenAI) |
|---|---|---|
| Approve loans within specified limits, and refer loan applications outside those limits to management for approval. | Core | 0.5 |
| Meet with applicants to obtain information for loan applications and to answer questions about the process. | Core | 0.5 |
| Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans. | Core | 0.5 |
| Explain to customers the different types of loans and credit options that are available, as well as the terms of those services. | Core | 1 |
| Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information. | Core | 0.5 |
| Review and update credit and loan files. | Core | 0.5 |
| Review loan agreements to ensure that they are complete and accurate according to policy. | Core | 1 |
| Compute payment schedules. | Core | 1 |
| Stay abreast of new types of loans and other financial services and products to better meet customers' needs. | Core | 0.5 |
| Submit applications to credit analysts for verification and recommendation. | Core | 0.5 |
| Handle customer complaints and take appropriate action to resolve them. | Core | 0.5 |
| Work with clients to identify their financial goals and to find ways of reaching those goals. | Core | 0.5 |
| Market bank products to individuals and firms, promoting bank services that may meet customers' needs. | Core | 0.5 |
| Analyze potential loan markets and develop referral networks to locate prospects for loans. | Core | 0.5 |
| Supervise loan personnel. | Supplemental | 0 |
| Set credit policies, credit lines, procedures and standards in conjunction with senior managers. | Supplemental | 0.5 |
| Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action. | Supplemental | 1 |
| Assist in selection of financial award candidates using electronic databases to certify loan eligibility. | — | 0.5 |
| Authorize or sign mail collection letters. | — | 1 |
| Calculate amount of debt and funds available to plan methods of payoff and to estimate time for debt liquidation. | — | 0.5 |
| Confer with underwriters to resolve mortgage application problems. | — | 0.5 |
| Contact applicants or creditors to resolve questions about applications or to assist with completion of paperwork. | — | 0.5 |
| Contact borrowers with delinquent accounts to obtain payment in full or to negotiate repayment plans. | — | 0.5 |
| Counsel clients on personal and family financial problems, such as excessive spending or borrowing of funds. | — | 0.5 |
| Establish payment priorities according to credit terms and interest rates to reduce clients' overall costs. | — | 0.5 |
| Inform individuals and groups about the financial assistance available to college or university students. | — | 0.5 |
| Maintain and review account records, updating and recategorizing them according to status changes. | — | 0.5 |
| Match individuals' needs and eligibility with available financial aid programs to provide informed recommendations. | — | 0.5 |
| Review accounts to determine write-offs for collection agencies. | — | 0.5 |
| Review billing for accuracy. | — | 1 |
Occupation information
Sources and attribution
This page includes information from the O*NET® 31.0 Database (https://www.onetcenter.org/database.html) by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA). Used under the CC BY 4.0 license (https://creativecommons.org/licenses/by/4.0/). O*NET® is a trademark of USDOL/ETA. AI Changing Work has modified all or some of this information: the O*NET-SOC code, title and task statements are reproduced in English without change; task-type labels are shown in the page's language and tasks are listed core first; any Korean occupation title shown on the Korean-language page is AI Changing Work's translation; any KSCO-8 unit groups linked to this occupation were paired with it by AI Changing Work's judgment, and the relation labels and statuses are AI Changing Work's additions. USDOL/ETA has not approved, endorsed, or tested these modifications.
Any AI exposure figures on this page are published by third parties, not by AI Changing Work, and none is part of the O*NET information. OpenAI publishes task-level scores (MIT License) for O*NET 27.2 task statements; each is shown next to the O*NET 31.0 task statement with the same task ID, whose wording can differ from the 27.2 statement that was scored. OpenAI also publishes occupation-level scores for O*NET-SOC codes in the same release, and any such score is shown on the O*NET occupation with the same code. Anthropic publishes an observed exposure index in the Anthropic Economic Index (CC-BY), and the U.S. Bureau of Labor Statistics publishes relative AI exposure categories (public domain); both are published per SOC code, and each value is shown on every O*NET occupation with that code. The International Labour Organization publishes a generative AI exposure index in ILO Working Paper 140 (CC BY 4.0) for ISCO-08 unit groups; AI Changing Work links those groups to O*NET occupations by applying the U.S. Bureau of Labor Statistics ISCO-08 to 2010 SOC and 2010 SOC to 2018 SOC crosswalks as published, without case-by-case selection, and these crosswalks match many groups only in part. Where several unit groups are linked, each group's published value is listed, and any summary shows only the lowest and highest of those values with the number of groups; no exposure figure is averaged or recalculated. Any employment figures are published by the U.S. Bureau of Labor Statistics for the SOC group containing this occupation. Each source is credited where its figures are shown.
O*NET OnLine: 13-2072.00 Loan Officers
KSCO 코드·명칭: 한국표준직업분류(제8차 개정) — 통계청 고시 제2024-328호 (2024-07-01 고시, 2025-01-01 시행). 저작권법 제7조 제2호의 고시 항목이다. 명칭 표기(가운뎃점·띄어쓰기)는 해설서 2차 정오 반영판의 표기를 따랐으며, 고시 항목표와는 18개 명칭에서 가운뎃점 글리프나 띄어쓰기만 다르다. 통계청은 2025년 10월 국가데이터처로 개편되었다. 이 페이지의 KSCO 연결은 통계청·국가데이터처의 공식 연계표가 아니다.