medium risk

Loan Officers

Also known as: Agricultural Loan Officer, Bank Officer, Bank Representative, Banking Services Officer, Branch Account Executive, Branch Account Manager, Branch Banker, Branch Lending Officer, Branch Manager, Business Banker

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, and loan underwriters.

Higher risk than 68% of occupations

AI Impact Summary

Loan Officers faces moderate AI displacement risk with a score of 41/100. This occupation has higher AI displacement risk than 68% of all analyzed occupations. Of 23 analyzed tasks, 9 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.

Complex Problem Solving75%

Complex Problem Solving 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

Less than High School7%

High School Diploma20%

Some College10%

Post-Secondary Certificate17%

Associate's Degree13%

Bachelor's Degree32%

Master's Degree2%

Prior Experience Needed

Work experience required to enter this job

None13%

1-3 months1%

6 months - 1 year17%

1-2 years23%

2-4 years27%

4-6 years15%

8-10 years3%

Training Provided After Hiring

How long it typically takes to learn on the job

None3%

Up to 1 month13%

1-3 months18%

3-6 months5%

6 months - 1 year31%

1-2 years30%

How AI Impacts Each Task

23 tasks analyzed

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

Risk: 49.0%AI: 55Time: 10%

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

Risk: 85.2%AI: 90Time: 8%

Meet with applicants to obtain information for loan applications and to answer questions about the process.

Risk: 25.0%AI: 25Time: 8%

Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.

Risk: 27.0%AI: 30Time: 8%

Review loan agreements to ensure that they are complete and accurate according to policy.

Risk: 83.2%AI: 85Time: 6%

Task	AI Capability	Risk	Time %
Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.	55	49.0%	10%
Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.	90	85.2%	8%
Meet with applicants to obtain information for loan applications and to answer questions about the process.	25	25.0%	8%
Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.	30	27.0%	8%
Review loan agreements to ensure that they are complete and accurate according to policy.	85	83.2%	6%

Protective Factors

Total protective discount: 22.8%

Essential Soft Skills

Traits that are hard for AI to replicate

IntegrityAttention to DetailStress ToleranceAchievement/EffortDependabilityInitiativeAnalytical ThinkingSelf ControlCooperationPersistenceAdaptability/FlexibilityIndependence