Credit Counselors

Business and Financial Operations Occupations
O*NET-SOC 代码
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.

  • 数据来源: BLS发布时间: 2026-08

    很高· 相对

    低四级相对区间很高

    职业群单位数值

    尺度 · 母数 · 来源

    四级相对类别（低 / 中等 / 高 / 很高）

    以BLS就业预测表中831个细分职业为基数。取值按 NEM（全国就业矩阵）代码给定，因此共用同一 NEM 代码的职业得到相同分档

    来源数据集（XLSX 文件下载）

  • 数据来源: Anthropic发布时间: 2026-03

    0.234

    0.000此处所载数值的范围0.745
    尺度 · 母数 · 来源

    观测暴露度指数，按发布原值0–1

    以O*NET任务映射为基准

    按 SOC 2018 职业发布的数值；具有相同 SOC 2018 代码的所有 O*NET 职业均显示此值

    来源数据集（CSV 文件下载）

  • 数据来源: ILO发布时间: 2025

    0.60

    0.09此处所载数值的范围0.70

    职业群单位数值

    尺度 · 母数 · 来源

    生成式AI暴露度指数，按发布原值0–1

    按 ISCO-08 细类（4 位）发布的数值。按原样应用美国劳工统计局（BLS）的官方对照表（ISCO-08→2010 SOC、2010 SOC→2018 SOC）关联到本职业，对应关系为全部或部分对应

    来源数据集（PDF 文件下载）

该来源发布的是什么性质的数值

BLS的类别是相对排位而非绝对水平，也不是一手测量：它把多项已发表研究给出的职业百分位排名归并为四个等级。它不是就业或工资预测，不是采用概率，也不区分自动化与增强。

Task-level exposure

仅显示有暴露的工作

已评分任务 23 项 · β ≥ 0.5 的任务 22 项（95.7%）

β = 直接暴露（E1）+ 0.5 × 借助工具时的暴露（E2），依据原始代码库的定义。

  • 原始单位：O*NET 27.2 任务 → O*NET 31.0 职业代码
  • 所有已评分任务均在 O*NET 31.0 任务列表中。
来源
OpenAI "GPTs are GPTs" exposure rubric
版本
gh-main-0471612
许可
MIT License, Copyright (c) 2024 OpenAI

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®, Eloundou et al. (2023): see full notices on the Credits page

O*NET 31.0 全部任务（23 项）

本职业在 O*NET 31.0 中的全部任务（英文原文；任务类型为核心或补充）。暴露值不列在此清单中，而在上方表格里，位于各来源所用 O*NET 版本的任务表述旁。

任务（O*NET 31.0）类型
Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.核心
Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.核心
Calculate clients' available monthly income to meet debt obligations.核心
Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.核心
Estimate time for debt repayment, given amount of debt, interest rates, and available funds.核心
Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.核心
Interview clients by telephone or in person to gather financial information.核心
Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.核心
Prepare written documents to establish contracts with or communicate financial recommendations to clients.核心
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.核心
Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit.核心
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.核心
Refer clients to social service or community resources for needs beyond those of credit or debt counseling.核心
Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed.核心
Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention.核心
Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.核心
Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.核心
Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions.核心
Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy.核心
Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans.补充
Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments.补充
Disburse funds from client accounts to creditors.补充
Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems.补充

职业信息

就业展望（BLS）

就业人数，2025
31K
预计就业人数，2035
32K
变化 (2025–35)
+3.3%
年薪中位数，2025
$52,230
入职通常所需学历
Bachelor's degree
最低 $30,890BLS EP 2025–35 中 825 个细分职业的工资中位数范围最高 $559,030

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

韩国职业分类关联（KSCO）

来自 AI Changing Work 制作的 Korea Occupation Direct Crosswalk v1.1 当前版本的关联。关系值从 O*NET-SOC 职业一侧解读。

KSCO 代码KSCO 名称关系状态
28229그 외 자산 운용가相关，但不对应已确认

关系与状态的定义(kr-direct v1.1)

国际劳工组织（ILO）职业说明

以下 ISCO-08 职业组由 AI Changing Work 原样套用美国劳工统计局（BLS）发布的对照表（2018 SOC→2010 SOC、2010 SOC→ISCO-08）、不逐案取舍，与本职业相关联；每项关联可能是完全对应，也可能是部分对应。

  • ISCO-08 3312Credit and Loans Officers

    信贷和贷款专员

自行翻译

自行翻译 · 非 ISCO 官方词汇 — 未经国际劳工组织审核。

以下定义、任务和职业示例是 ILO 对该 ISCO-08 职业组的描述，而不是对本职业的描述。

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.

任务

  • (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.

职业示例

Loans officer · Mortgage officer

Sources: ILO ISCO-08 — details: Credits

ESCO 职业词汇

以下每一项都是在已公开的ESCO-O*NET Crosswalk（第 1 版，2022 年）中与本职业逐项对应的。对应类型出自该对照表；表述出自 AI Changing Work。

  • credit adviserESCO 3312.2范围相同

    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本职业范围更宽

    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有重叠，但不相同

    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有重叠，但不相同

    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.

来源: European Commission, DG EMPL — ESCO API 2026-08-08 (bridge v1.2.1)

许可: CC BY 4.0 (EU Reuse Notice)

查看原文

ESCO reuse terms and the modification notice are in Credits.

法国职业分类关联（ROME）

本职业与 ROME 4.0 职业条目（fiche）之间的关联，由 AI Changing Work 借助 AI 模型判定。关系从本职业一侧解读。标为「暂定」的关联仅凭同一模型系列（Claude）两位判定者的判定采纳，或对其判定适用运营方规则后采纳，因此其依据弱于已确认的关联。

ROME 代码ROME 名称（法语）关系
C1217Conseiller commercial / Conseillère commerciale de banque相关，但不对应
K1225Conseiller / Conseillère en économie sociale et familiale (CESF)相关，但不对应

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)

西班牙职业分类关联（CNO-11）

本职业与 CNO-11 职业之间的关联，由 AI Changing Work 借助 AI 模型判定。关系从本职业一侧解读。

CNO-11 代码CNO-11 名称（西班牙语）关系
2612Asesores financieros y en inversiones相关，但不对应
3402Comerciales de préstamos y créditos相关，但不对应

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)

德国职业分类关联（KldB）

本职业与 KldB 职业之间的关联，由 AI Changing Work 借助 AI 模型判定。关系从本职业一侧解读。

KldB 代码KldB 名称（德语）关系
83154Berufe in der Sozial-, Erziehungs- und Suchtberatung - hoch komplexe Tätigkeiten本职业范围更窄
83223Berufe in der Verbraucherberatung - komplexe Spezialistentätigkeiten相关，但不对应

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)

日本职业分类关联（JSCO）

本职业与 JSCO 职业之间的关联，由 AI Changing Work 借助 AI 模型判定。关系从本职业一侧解读。

JSCO 代码JSCO 名称（日语）关系
189その他の経営・金融・保険専門職業従事者相关，但不对应

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)

本页数据的来源与许可，以及 AI Changing Work 的修改与翻译说明：致谢与来源