Credit Counselors
Business and Financial Operations Occupations- O*NET-SOC コード
- 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.
- データ出典: BLS公表時点: 2026-08
非常に高い· 相対
低い4段階の相対区分非常に高い職業群単位の値
尺度・母数・出典
4段階の相対区分（低い / 中程度 / 高い / 非常に高い）
BLS雇用見通し表の詳細職業831件が母数。値は NEM(全国雇用マトリクス)コード単位で付与されるため、同じ NEM コードの職業は同じバンドになります
- データ出典: Anthropic公表時点: 2026-03
0.234
0.000ここに掲載された値の範囲0.745尺度・母数・出典
観測エクスポージャー指数、公開されたまま0–1
O*NETタスクへの対応づけが基準
SOC 2018の職業単位で公表された値で、同じSOC 2018コードを持つO*NET職業はすべてこの値になります
- データ出典: ILO公表時点: 2025
0.60
0.09ここに掲載された値の範囲0.70職業群単位の値
尺度・母数・出典
生成AI露出度指数、公開されたまま0–1
ISCO-08の細分類（4桁）単位で公表された値です。米国労働統計局（BLS）の公式対応表（ISCO-08→2010 SOC、2010 SOC→2018 SOC）を公表どおり適用してこの職業に結び付けており、対応は全部または一部です
この出典がどのような性格の値か
BLSの区分は絶対水準ではなく相対順位であり、一次測定でもありません。複数の既存研究が付けた職業別パーセンタイル順位を4段階にまとめた値です。雇用や賃金の予測でもなく、導入確率でもなく、自動化と増強を区別しません。
Task-level exposure
非表示の作業 18 件を表示評価済みタスク 23 件 · β ≥ 0.5 のタスク 22 件（95.7%）
β = 直接的な露出（E1）+ 0.5 × ツール利用時の露出（E2）。原典リポジトリの定義に従います。
- 原典の単位：O*NET 27.2 のタスク → O*NET 31.0 の職業コード
- 評価済みタスクはすべて O*NET 31.0 のタスク一覧にあります。
- 出典
- OpenAI "GPTs are GPTs" exposure rubric
- 版
- gh-main-0471612
- ライセンス
- MIT License, Copyright (c) 2024 OpenAI
| Task (O*NET 30.2) | Claude.aiRaw / share % | APIRaw / share % |
|---|---|---|
Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.13-2071.00 | 1.370093.2 | 0.2700100.0 |
Prepare written documents to establish contracts with or communicate financial recommendations to clients.13-2071.00 | 0.04002.7 | 0.00000.0 |
Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention.13-2071.00 | 0.04002.7 | 0.00000.0 |
Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.13-2071.00 | 0.01000.7 | 0.00000.0 |
Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.13-2071.00 | 0.01000.7 | 0.00000.0 |
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 |
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
O*NET 31.0 のタスク全件（23件）
この職業の O*NET 31.0 のタスク全件（英語原文、種別はコア・補足）。露出値はこの一覧には載せず、上の表で各出典が用いた O*NET 版の文言の横にあります。
| タスク（O*NET 31.0） | 種類 |
|---|---|
| Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat. | コア |
| Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information. | コア |
| Calculate clients' available monthly income to meet debt obligations. | コア |
| Create debt management plans, spending plans, or budgets to assist clients to meet financial goals. | コア |
| Estimate time for debt repayment, given amount of debt, interest rates, and available funds. | コア |
| Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies. | コア |
| Interview clients by telephone or in person to gather financial information. | コア |
| Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries. | コア |
| Prepare written documents to establish contracts with or communicate financial recommendations to clients. | コア |
| 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. | コア |
| Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit. | コア |
| 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. | コア |
| Refer clients to social service or community resources for needs beyond those of credit or debt counseling. | コア |
| Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed. | コア |
| Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention. | コア |
| Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs. | コア |
| Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions. | コア |
| Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions. | コア |
| Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy. | コア |
| Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans. | 補足 |
| Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments. | 補足 |
| Disburse funds from client accounts to creditors. | 補足 |
| Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems. | 補足 |
0.00/ 3· ロボット露出指数
尺度・母数・出典
身体的なタスクそれぞれに、実際に導入・販売・実演されたロボットがこなせる環境に応じて 0–3 の等級を付け（0 不可 · 1 フェンスで囲われた機械セルや瓶詰めラインのようなロボット専用設備 · 2 病院の薬剤部やコンテナ港のような管理された施設 · 3 一般家庭や建設現場のような非定型の環境）、勤務時間に占める割合で平均した値
この職業の O*NET 29.3 タスクのうち身体的なタスクが対象
等級と時間の割合は Anthropic が Claude Opus 5（ウェブ検索）で推定しました（2026年時点）。
ロボット露出指数は、このサイトの AI 露出度とは別の指標であり、足し合わせたり比べたりすることはできません。実際の導入やコスト競争力を示すものではなく、0 には身体的なタスクのない職業も含まれます。
身体的なタスクごとの等級
この職業の O*NET 29.3 タスクのうち、身体的なタスクに分類されたものはありません。
職業情報
雇用見通し（BLS）
- 雇用者数、2025
- 31K
- 雇用者数見通し、2035
- 32K
- 変化率 (2025–35)
- +3.3%
- 年間賃金の中央値、2025
- $52,230
- 入職時に通常必要な学歴
- Bachelor's degree
韓国職業分類との対応（KSCO）
AI Changing Work が作成した Korea Occupation Direct Crosswalk v1.1 現行版の対応です。関係の値は O*NET-SOC 職業の側から読みます。
| KSCO コード | KSCO 名称 | 関係 | 状態 |
|---|---|---|---|
| 28229 | 그 외 자산 운용가 | 関連（対応ではない） | 確定 |
関係と状態の定義(kr-direct v1.1)
ILO（国際労働機関）の職業説明
以下のISCO-08職業群は、AI Changing Workが米国労働統計局（BLS）の発行するクロスウォーク（2018 SOC→2010 SOC、2010 SOC→ISCO-08）を個別の選択なしにそのまま適用して、この職業に結び付けたものです。結び付きは全体的な対応の場合も部分的な対応の場合もあります。
- ISCO-08 3312Credit and Loans Officers
貸付審査・貸付融資担当者
出典: 総務省「国際標準職業分類（ISCO）2008年改定版（仮訳）分類項目名一覧（和英対照）」— 原著：ILO ISCO-08 © International Labour Organization（日本語訳は総務省がILOの許可を得て作成）
以下の定義・作業・職業例は、この職業ではなく、当該ISCO-08職業群についてのILOによる説明です。
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.
作業
- (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.
職業例
Loans officer · Mortgage officer
Sources: ILO ISCO-08 — details: Credits
ESCO 職業語彙
以下の各項目は、公開されているESCO-O*NET Crosswalk（バージョン1、2022年）で、この職業と一つずつ対応付けられたものです。対応の種類はそのクロスウォークによるもので、表現はAI Changing Workによるものです。
- credit adviserESCO 3312.2範囲が同じ
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 3312.7この職業のほうが広い
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 2412.2重なるが同じではない
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 3312.2.1重なるが同じではない
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.
出典: European Commission, DG EMPL — ESCO API 2026-08-08 (bridge v1.2.1)
ライセンス: CC BY 4.0 (EU Reuse Notice)
ESCO reuse terms and the modification notice are in Credits.
フランス職業分類との対応（ROME）
この職業と ROME 4.0 の職業票（fiche）との対応で、AI Changing Work が AI モデルを用いて判定したものです。関係はこの職業の側から読みます。「暫定」と表示した対応は、同じモデル系列（Claude）の二人の判定者による判定のみ、またはその判定に運営者の規則を適用して採用したものであり、確定した対応より根拠が弱くなります。
| ROME コード | ROME 名称（フランス語） | 関係 |
|---|---|---|
| C1217 | Conseiller commercial / Conseillère commerciale de banque | 関連（対応ではない） |
| K1225 | Conseiller / Conseillère en économie sociale et familiale (CESF) | 関連（対応ではない） |
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)
スペイン職業分類との対応（CNO-11）
この職業と CNO-11 の職業との対応で、AI Changing Work が AI モデルを用いて判定したものです。関係はこの職業の側から読みます。
| CNO-11 コード | CNO-11 名称（スペイン語） | 関係 |
|---|---|---|
| 2612 | Asesores financieros y en inversiones | 関連（対応ではない） |
| 3402 | Comerciales de préstamos y créditos | 関連（対応ではない） |
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)
ドイツ職業分類との対応（KldB）
この職業と KldB の職業との対応で、AI Changing Work が AI モデルを用いて判定したものです。関係はこの職業の側から読みます。
| KldB コード | KldB 名称（ドイツ語） | 関係 |
|---|---|---|
| 83154 | Berufe in der Sozial-, Erziehungs- und Suchtberatung - hoch komplexe Tätigkeiten | この職業のほうが狭い |
| 83223 | Berufe in der Verbraucherberatung - komplexe Spezialistentätigkeiten | 関連（対応ではない） |
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)
日本職業分類との対応（JSCO）
この職業と JSCO の職業との対応で、AI Changing Work が AI モデルを用いて判定したものです。関係はこの職業の側から読みます。
| JSCO コード | JSCO 名称（日本語） | 関係 |
|---|---|---|
| 189 | その他の経営・金融・保険専門職業従事者 | 関連（対応ではない） |
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)
このページのデータの出典・ライセンスと AI Changing Work による改変・翻訳の告知：クレジットと出典