medium risk

Loan Counselors

Also known as: Commercial Lending Vice President, Eligibility Consultant, Farm Mortgage Agent, Financial Aid Administrator, Financial Aid Advisor, Financial Aid Coordinator, Financial Aid Counselor, Financial Aid Director, Financial Aid Officer, Financial Aid Technician

Provide guidance to prospective loan applicants who have problems qualifying for traditional loans. Guidance may include determining the best type of loan and explaining loan requirements or restrictions.

Higher risk than 84% of occupations

AI Impact Summary

Loan Counselors faces moderate AI displacement risk with a score of 45/100. This occupation has higher AI displacement risk than 84% of all analyzed occupations. Of 28 analyzed tasks, 12 are highly automatable, particularly routine cognitive tasks. Strong protective factors — including social intelligence, creativity, or regulatory barriers — significantly reduce effective risk.

Skill Impact Analysis

AI-Vulnerable

AI-Resistant

AI-Augmented

AI-Vulnerable

Reading Comprehension10%

High reliance on Reading Comprehension is a risk area. Consider developing complementary AI-resistant skills to maintain value.

Mathematics10%

High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.

AI-Resistant

Social Perceptiveness90%

Social Perceptiveness is AI-resistant — strengthening this skill provides durable career protection.

Instructing75%

Instructing is AI-resistant — strengthening this skill provides durable career protection.

+14 more skills

Education & Training

Percentage of workers at each education and training level

Education Level

High School Diploma39%

Post-Secondary Certificate27%

Associate's Degree7%

Bachelor's Degree26%

Prior Experience Needed

Work experience required to enter this job

None11%

3-6 months37%

6 months - 1 year27%

1-2 years14%

2-4 years5%

4-6 years6%

Training Provided After Hiring

How long it typically takes to learn on the job

Up to 1 month14%

1-3 months24%

3-6 months23%

6 months - 1 year38%

1-2 years1%

How AI Impacts Each Task

28 tasks analyzed

Confer with underwriters to resolve mortgage application problems.

Risk: 27.0%AI: 30Time: 4%

Advise students on available financial-aid awards.

Risk: 31.0%AI: 40Time: 5%

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

Risk: 59.0%AI: 80Time: 6%

Contact borrowers with delinquent accounts to obtain payment in full or to negotiate repayment plans.

Risk: 29.0%AI: 35Time: 4%

Approve loans within specified limits.

Risk: 61.0%AI: 85Time: 4%

Task	AI Capability	Risk	Time %
Confer with underwriters to resolve mortgage application problems.	30	27.0%	4%
Advise students on available financial-aid awards.	40	31.0%	5%
Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.	80	59.0%	6%
Contact borrowers with delinquent accounts to obtain payment in full or to negotiate repayment plans.	35	29.0%	4%
Approve loans within specified limits.	85	61.0%	4%

Protective Factors

Total protective discount: 20.8%

Essential Soft Skills

Traits that are hard for AI to replicate

DependabilityIntegrityAttention to DetailSelf ControlCooperationConcern for OthersInitiativeStress ToleranceAchievement/EffortIndependenceSocial OrientationAdaptability/Flexibility