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Business & Finance · Updated Aug 2026

Loan Officers

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.

JVS 2.0.0-phase4b
AI Exposure
67/100
High

How much of this occupation’s work can be materially affected by current AI systems.

Replacement Risk
58/100
Moderate

How likely exposure is to translate into reduced human demand.

Includes provisional estimates for AI adoption pressure and labour-market resilience. How this is measured

Evidence quality
Confidence76/100
Task coverage81%

Confidence reflects task coverage, mapping and capability-evidence quality, and how much of the score rests on provisional inputs.

Task-level evidence

What is driving the score?

Occupation scores are built from the task mix—not a single prediction about a job title.

JVS 2.0.0-phase4b
TaskImportanceAI impactExposure
Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.High
71
Meet with applicants to obtain information for loan applications and to answer questions about the process.High
72
Approve loans within specified limits, and refer loan applications outside those limits to management for approval.High
71
Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.High
63
Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.High
71
Submit applications to credit analysts for verification and recommendation.High
72
Review loan agreements to ensure that they are complete and accurate according to policy.High
72
Work with clients to identify their financial goals and to find ways of reaching those goals.Medium
63
Stay abreast of new types of loans and other financial services and products to better meet customers' needs.Medium
63
Market bank products to individuals and firms, promoting bank services that may meet customers' needs.Medium
56
Analyze potential loan markets and develop referral networks to locate prospects for loans.Medium
71
Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.Medium
66
Handle customer complaints and take appropriate action to resolve them.Medium
38
Set credit policies, credit lines, procedures and standards in conjunction with senior managers.Medium
70
Most exposed

Where AI can do more

Routine, digitized, and highly repeatable tasks face the greatest pressure.

  1. Meet with applicants to obtain information for loan applications and to answer questions about the process.72
  2. Submit applications to credit analysts for verification and recommendation.72
  3. Review loan agreements to ensure that they are complete and accurate according to policy.72
  4. Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.71
Hardest to automate

Where people still matter

These tasks score lowest on automation feasibility—physical presence, judgement, accountability and real-world variability all resist end-to-end automation.

  1. Handle customer complaints and take appropriate action to resolve them.01
  2. Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.02
  3. Meet with applicants to obtain information for loan applications and to answer questions about the process.03
  4. Approve loans within specified limits, and refer loan applications outside those limits to management for approval.04
  5. Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.05
Where else this work leads

Related occupations

Occupations O*NET links to this one. Relatedness reflects shared work, not a claim that these roles are safer.

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Beyond AI capability

Adoption and labour-market outlook

Structural factors are kept separate from raw capability so you can see what actually resists automation. Adoption pressure and labour-market resilience are still provisional models—25% of this occupation’s replacement-risk weight rests on them.

Human dependency69
Physical dependency28
Adoption pressure69
Labour-market resilience59
Methodology & sources

O*NET 30.3 occupational data interpreted through the JobsVsAI capability, automation and structural-constraint models.

Confidence76/100
CalculatedAug 21, 2026
Read methodology →