AI JOB RISK SCANNER
O*NET-SOC 13-2072.00 / model V11 rated-task engine

Will AI replace
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.

Estimated AI task exposure
82%

Very High exposure

V11 weights occupation tasks using O*NET Importance, Relevance and Frequency ratings instead of treating every task equally.

17 tasks have usable Task Rating records; weighted-task coverage is 57%.

Digital/info work

76/100

Physical moat

6/100

Human moat

29/100

Rating coverage

57%

30 task statements / 17 rated

Highest-weighted occupation tasks

Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
Importance 89/100Relevance 97/100Frequency 66/100Weight 0.86
Meet with applicants to obtain information for loan applications and to answer questions about the process.
Importance 90/100Relevance 98/100Frequency 62/100Weight 0.86
Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
Importance 83/100Relevance 100/100Frequency 63/100Weight 0.85
Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
Importance 78/100Relevance 98/100Frequency 57/100Weight 0.81
Review and update credit and loan files.
Importance 78/100Relevance 97/100Frequency 58/100Weight 0.80
Work with clients to identify their financial goals and to find ways of reaching those goals.
Importance 74/100Relevance 94/100Frequency 58/100Weight 0.78
Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
Importance 85/100Relevance 80/100Frequency 56/100Weight 0.76
Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
Importance 72/100Relevance 92/100Frequency 50/100Weight 0.74
Submit applications to credit analysts for verification and recommendation.
Importance 80/100Relevance 81/100Frequency 52/100Weight 0.73
Review loan agreements to ensure that they are complete and accurate according to policy.
Importance 78/100Relevance 83/100Frequency 51/100Weight 0.73

Task weighting

Each rated task receives a composite weight: 38% relevance, 37% importance and 25% frequency. Core tasks receive a small additional multiplier. Low-precision rows flagged by O*NET for suppression are excluded.

Occupation scoring

When rating coverage is strong, rated tasks contribute 60% of the digital, physical and human task signals and Work Activities contribute 40%. Lower-coverage occupations automatically rely more on Work Activities.

U.S. labor market

BLS Wage & Employment Outlook

Median annual wage

$76,690

BLS OEWS May 2025

National employment

274,330

BLS OEWS May 2025

Projected growth

+1.1%

BLS Employment Projections 2025–2035

Average annual openings

17

BLS Employment Projections 2025–2035

BLS labor-market figures are separate from the site's AI-exposure model. Missing values mean a compatible detailed BLS occupation estimate was not published or could not be mapped.

Career pivot radar

Safer Career Alternatives

These options are selected from the same 923-occupation model. They favor a similar task/work profile with meaningfully lower estimated AI exposure. They are suggestions for exploration, not guarantees of job fit.

SAFER ALTERNATIVE

Bicycle Repairers

5%

77 points lower exposure • 56% profile similarity

Median wage: $42,780 Growth 2025–2035: -5.7% Annual openings: 1

more physical-world work, less digital task exposure
SAFER ALTERNATIVE

Hydroelectric Production Managers

10%

72 points lower exposure • 60% profile similarity

Median wage: $126,060 Growth 2025–2035: +2.6% Annual openings: 17

stronger human/judgment moat, more physical-world work
SAFER ALTERNATIVE

Butchers and Meat Cutters

5%

77 points lower exposure • 55% profile similarity

Median wage: $40,140 Growth 2025–2035: +2.4% Annual openings: 15

more physical-world work, less digital task exposure
SAFER ALTERNATIVE

Millwrights

5%

77 points lower exposure • 57% profile similarity

Median wage: $65,700 Growth 2025–2035: +0.9% Annual openings: 3

more physical-world work, less digital task exposure
SAFER ALTERNATIVE

Electric Motor, Power Tool, and Related Repairers

5%

77 points lower exposure • 55% profile similarity

Median wage: $56,210 Growth 2025–2035: +4.4% Annual openings: 1

more physical-world work, less digital task exposure
SAFER ALTERNATIVE

Chefs and Head Cooks

12%

70 points lower exposure • 60% profile similarity

Median wage: $62,470 Growth 2025–2035: +6.6% Annual openings: 25

stronger human/judgment moat, more physical-world work

Personalized career defense protocol

AI-Proofing Plan

AUTOMATE

  • routine information gathering
  • first-pass document drafting
  • standard reporting and summarization
  • repeatable administrative workflows

AUGMENT

  • research and analysis
  • quality checking AI-generated work
  • decision preparation
  • scenario generation

PROTECT

  • domain expertise
  • exception handling
  • accountability for outcomes

LEARN

  • AI-assisted research
  • workflow automation
  • data literacy
  • prompt and workflow design
  • AI output verification

AI-PROOFING RESOURCES

What this score does not mean

The percentage is a comparative task-exposure index. It is not the probability that this occupation disappears, that a worker is laid off, or that AI can perform the entire job.

New in V11

Find a Safer Career Path

High exposure does not mean starting over. V11 compares your occupation with the other 922 O*NET occupations and surfaces lower-exposure options with similar work profiles.

EXPLORE CAREER ALTERNATIVES
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