Loan Officers

Business and Financial Operations Occupations
O*NET-SOC コード
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.

  • 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

    出典データセット（XLSX ファイルのダウンロード）

  • データ出典: Anthropic公表時点: 2026-03

    0.186

    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

    出典データセット（CSV ファイルのダウンロード）

  • 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

    出典データセット（PDF ファイルのダウンロード）

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

露出のある作業のみ

評価済みタスク 30 件 · β ≥ 0.5 のタスク 29 件（96.7%）

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

O*NET-SOC 2010 の職業 13-2071.01 Loan Counselors; 13-2072.00 Loan Officers の作業です。当サイトが O*NET-SOC 2010→2019 公式クロスウォークによりこの職業に結び付けました

Task (O*NET 20.1)Claude.aiRaw / share %APIRaw / share %
Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.

13-2072.00

0.088136.70.014313.5
Counsel clients on personal and family financial problems, such as excessive spending or borrowing of funds.

13-2071.01

0.066427.70.010910.3
Calculate amount of debt and funds available to plan methods of payoff and to estimate time for debt liquidation.

13-2071.01

0.026411.00.00302.8
Analyze potential loan markets to find opportunities to promote loans and financial services.

13-2071.01

0.00943.90.00252.4
Review billing for accuracy.

13-2071.01

0.00642.70.010610.0
Market bank products to individuals and firms, promoting bank services that may meet customers' needs.

13-2072.00

0.00562.30.00393.7
Analyze potential loan markets and develop referral networks to locate prospects for loans.

13-2072.00

0.00522.20.011310.7
Inform individuals and groups about the financial assistance available to college or university students.

13-2071.01

0.00451.90.00191.8
Handle customer complaints and take appropriate action to resolve them.

13-2072.00

0.00401.70.012611.9
Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.

13-2072.00

0.00341.4—0
Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

13-2072.00

0.00291.20.00383.6
Match students' needs and eligibility with available financial aid programs to provide informed recommendations.

13-2071.01

0.00281.20.00151.4
Maintain and review account records, updating and recategorizing them according to status changes.

13-2071.01

0.00261.10.00575.4
Contact creditors to explain clients' financial situations and to arrange for payment adjustments so that payments are feasible for clients and agreeable to creditors.

13-2071.01

0.00261.1—0
Interview applicants and request specified information for loan applications.

13-2071.01

0.00241.00.00888.3
Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.

13-2072.00

0.00241.00.00585.5
Confer with underwriters to aid in resolving mortgage application problems.

13-2072.00

0.00200.8—0
Work with clients to identify their financial goals and to find ways of reaching those goals.

13-2072.00

0.00150.6—0
Provide special services such as investment banking for clients with more specialized needs.

13-2072.00

0.00150.6—0
Contact borrowers with delinquent accounts to obtain payment in full or to negotiate repayment plans.
—00.00363.4
Review accounts to determine write-offs for collection agencies.
—00.00262.5
Negotiate payment arrangements with customers who have delinquent loans.
—00.00171.6
Assist in selection of financial award candidates using electronic databases to certify loan eligibility.
—00.00161.5
Not observed on any surface — 24 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.
Check loan agreements to ensure that they are complete and accurate, according to policies.
—0—0
Refer loans to loan committees for approval.
—0—0
Approve loans within specified limits.
—0—0
Establish payment priorities according to credit terms and interest rates to reduce clients' overall costs.
—0—0
Contact applicants or creditors to resolve questions about applications or to assist with completion of paperwork.
—0—0
Maintain current knowledge of credit regulations.
—0—0
Confer with underwriters to resolve mortgage application problems.
—0—0
Compare data on student aid applications with eligibility requirements of assistance programs.
—0—0
Locate debtors using post office directories, utility services account listings, or mailing lists.
—0—0
Arrange for maintenance or liquidation of delinquent properties.
—0—0
Authorize or sign mail collection letters.
—0—0
Open accounts for clients and disburse funds from clients' accounts to creditors.
—0—0
Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
—0—0
Meet with applicants to obtain information for loan applications and to answer questions about the process.
—0—0
Review and update credit and loan files.
—0—0
Review loan agreements to ensure that they are complete and accurate according to policy.
—0—0
Compute payment schedules.
—0—0
Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
—0—0
Submit applications to credit analysts for verification and recommendation.
—0—0
Supervise loan personnel.
—0—0
Set credit policies, credit lines, procedures and standards in conjunction with senior managers.
—0—0
Arrange for maintenance and liquidation of delinquent properties.
—0—0
Interview, hire, and train new employees.
—0—0
Petition courts to transfer titles and deeds of collateral to banks.
—0—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（30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
Approve loans within specified limits, and refer loan applications outside those limits to management for approval.コア
Meet with applicants to obtain information for loan applications and to answer questions about the process.コア
Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.コア
Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.コア
Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.コア
Review and update credit and loan files.コア
Review loan agreements to ensure that they are complete and accurate according to policy.コア
Compute payment schedules.コア
Stay abreast of new types of loans and other financial services and products to better meet customers' needs.コア
Submit applications to credit analysts for verification and recommendation.コア
Handle customer complaints and take appropriate action to resolve them.コア
Work with clients to identify their financial goals and to find ways of reaching those goals.コア
Market bank products to individuals and firms, promoting bank services that may meet customers' needs.コア
Analyze potential loan markets and develop referral networks to locate prospects for loans.コア
Supervise loan personnel.補足
Set credit policies, credit lines, procedures and standards in conjunction with senior managers.補足
Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.補足
Assist in selection of financial award candidates using electronic databases to certify loan eligibility.—
Authorize or sign mail collection letters.—
Calculate amount of debt and funds available to plan methods of payoff and to estimate time for debt liquidation.—
Confer with underwriters to resolve mortgage application problems.—
Contact applicants or creditors to resolve questions about applications or to assist with completion of paperwork.—
Contact borrowers with delinquent accounts to obtain payment in full or to negotiate repayment plans.—
Counsel clients on personal and family financial problems, such as excessive spending or borrowing of funds.—
Establish payment priorities according to credit terms and interest rates to reduce clients' overall costs.—
Inform individuals and groups about the financial assistance available to college or university students.—
Maintain and review account records, updating and recategorizing them according to status changes.—
Match individuals' needs and eligibility with available financial aid programs to provide informed recommendations.—
Review accounts to determine write-offs for collection agencies.—
Review billing for accuracy.—

職業情報

雇用見通し（BLS）

雇用者数、2025
283K
雇用者数見通し、2035
286K
変化率 (2025–35)
+1.1%
年間賃金の中央値、2025
$76,690
入職時に通常必要な学歴
Bachelor's degree
最低 $30,890BLS EP 2025–35 の詳細職業825件の賃金中央値の範囲最高 $559,030

出典: U.S. Bureau of Labor Statistics, Employment Projections 2025–35 — Employment by detailed occupation, 2025 and projected 2035

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
34030은행 사무원この職業のほうが狭い確定
51041대출 모집인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）

原文を見る

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。

  • loan officerESCO 3312.5範囲が同じ

    Loan officers assess and authorise the approval of loan applications for individuals and businesses. They ensure complete transactions between loan organisations, borrowers, and sellers. Loan officers are specialists in consumer, mortgage, or commercial lending.

  • credit adviserESCO 3312.2この職業のほうが広い

    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.

  • credit analystESCO 3312.2.1この職業のほうが広い

    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.

  • mortgage loan underwriterESCO 3312.6この職業のほうが広い

    Mortgage loan underwriters ensure compliance with underwriter guidelines. They participate in the implementation of new underwriting guidelines. They also review closed and denied loans.

  • mortgage brokerESCO 3311.2.2重なるが同じではない

    Mortgage brokers handle mortgage loan applications from clients, collect loan documentation and search for new mortgage lending opportunities. They complete and close mortgage loan processes for their 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)

原文を見る

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
C1203Chargé / Chargée d'affaires bancairesこの職業のほうが広い暫定
C1214Chargé / Chargée d'études crédits bancairesこの職業のほうが広い暫定
C1217Conseiller commercial / Conseillère commerciale de banque重なるが同じではない暫定
C1208Courtier / Courtière en banque関連（対応ではない）暫定

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
3402Comerciales de préstamos y créditos範囲が同じ暫定

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
72113Bankkaufleute - komplexe Spezialistentätigkeitenこの職業のほうが狭い
72112Bankkaufleute - fachlich ausgerichtete Tätigkeiten関連（対応ではない）
61152Berufe im Geld- und Pfandverleih - fachlich ausgerichtete Tätigkeiten関連（対応ではない）暫定
72183Berufe in Versicherungs- und Finanzdienstleistungen (sonstige spezifische Tätigkeitsangabe) - komplexe Spezialistentätigkeiten関連（対応ではない）暫定

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
281営業・販売事務員関連（対応ではない）
346金融・保険営業職業従事者関連（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