Loan Officers

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

  • 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

    0.186

    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 30 项 · β ≥ 0.5 的任务 29 项（96.7%）

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
Task (O*NET 30.2)Claude.aiRaw / share %APIRaw / share %
Maintain and review account records, updating and recategorizing them according to status changes.

13-2072.00

0.040050.00.050083.3
Work with clients to identify their financial goals and to find ways of reaching those goals.

13-2072.00

0.020025.00.00000.0
Counsel clients on personal and family financial problems, such as excessive spending or borrowing of funds.

13-2072.00

0.020025.00.00000.0
Review billing for accuracy.

13-2072.00

0.00000.00.010016.7
Review and update credit and loan files.

13-2072.00

0.00000.00.00000.0
Contact applicants or creditors to resolve questions about applications or to assist with completion of paperwork.

13-2072.00

0.00000.00.00000.0
Match individuals' needs and eligibility with available financial aid programs to provide informed recommendations.

13-2072.00

0.00000.00.00000.0
Compute payment schedules.

13-2072.00

0.00000.0—0
Handle customer complaints and take appropriate action to resolve them.

13-2072.00

0.00000.0—0
Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
—00.00000.0
Contact borrowers with delinquent accounts to obtain payment in full or to negotiate repayment plans.
—00.00000.0
Not observed on any surface — 19 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.
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
Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
—0—0
Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
—0—0
Review loan agreements to ensure that they are complete and accurate according to policy.
—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
Market bank products to individuals and firms, promoting bank services that may meet customers' needs.
—0—0
Analyze potential loan markets and develop referral networks to locate prospects for loans.
—0—0
Supervise loan personnel.
—0—0
Set credit policies, credit lines, procedures and standards in conjunction with senior managers.
—0—0
Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.
—0—0
Assist in selection of financial award candidates using electronic databases to certify loan eligibility.
—0—0
Authorize or sign mail collection letters.
—0—0
Calculate amount of debt and funds available to plan methods of payoff and to estimate time for debt liquidation.
—0—0
Confer with underwriters to resolve mortgage application problems.
—0—0
Establish payment priorities according to credit terms and interest rates to reduce clients' overall costs.
—0—0
Inform individuals and groups about the financial assistance available to college or university students.
—0—0
Review accounts to determine write-offs for collection agencies.
—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 全部任务（30 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
Approve loans within specified limits, and refer loan applications outside those limits to management for approval.核心
Meet with applicants to obtain information for loan applications and to answer questions about the process.核心
Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.核心
Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.核心
Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.核心
Review and update credit and loan files.核心
Review loan agreements to ensure that they are complete and accurate according to policy.核心
Compute payment schedules.核心
Stay abreast of new types of loans and other financial services and products to better meet customers' needs.核心
Submit applications to credit analysts for verification and recommendation.核心
Handle customer complaints and take appropriate action to resolve them.核心
Work with clients to identify their financial goals and to find ways of reaching those goals.核心
Market bank products to individuals and firms, promoting bank services that may meet customers' needs.核心
Analyze potential loan markets and develop referral networks to locate prospects for loans.核心
Supervise loan personnel.补充
Set credit policies, credit lines, procedures and standards in conjunction with senior managers.补充
Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.补充
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.—

职业信息

就业展望（BLS）

就业人数，2025
283K
预计就业人数，2035
286K
变化 (2025–35)
+1.1%
年薪中位数，2025
$76,690
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
34030은행 사무원本职业范围更窄已确认
51041대출 모집인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。

  • loan officerESCO 3312.5范围相同

    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本职业范围更宽

    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本职业范围更宽

    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本职业范围更宽

    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有重叠，但不相同

    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.

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
C1203Chargé / Chargée d'affaires bancaires本职业范围更宽暂定
C1214Chargé / Chargée d'études crédits bancaires本职业范围更宽暂定
C1217Conseiller commercial / Conseillère commerciale de banque有重叠，但不相同暂定
C1208Courtier / Courtière en banque相关，但不对应暂定

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)

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
3402Comerciales de préstamos y créditos范围相同暂定

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)

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
72113Bankkaufleute - komplexe Spezialistentätigkeiten本职业范围更窄
72112Bankkaufleute - fachlich ausgerichtete Tätigkeiten相关，但不对应
61152Berufe im Geld- und Pfandverleih - fachlich ausgerichtete Tätigkeiten相关，但不对应暂定
72183Berufe in Versicherungs- und Finanzdienstleistungen (sonstige spezifische Tätigkeitsangabe) - komplexe Spezialistentätigkeiten相关，但不对应暂定

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
281営業・販売事務員相关，但不对应
346金融・保険営業職業従事者相关，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