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critical Riskfinance

Loan Officer

Evaluate, authorize, or recommend approval of loan applications.

Role Exposure Estimate
100%
Baseline: 88% 12 points after current signals

Signals updated 8/28/2026

Task-by-Task Analysis

Here's how AI might impact each core task of a loan officer:

Review loan applications90% estimated exposure
Analyze credit reports95% estimated exposure
Calculate loan terms92% estimated exposure
Meet with applicants50% estimated exposure

Current Risk Signals

Recent factors included in this role estimate:

+15%
layoffs
2,600 workers laid off in related industries (1 AI-related)
+1%
employment
-1.2% employment change year-over-year

These signals are reviewed on a schedule and may not reflect every recent event. Use the score as a directional estimate, not a prediction.

Score Breakdown

Base Risk (O*NET Research)88%
Industry Layoffs+15%
Employment Trends (BLS)+1%
Final Score100%

Risk Trend (90 Days)

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AI Tools Threatening This Role

AI underwriting
Automated loan platforms
Credit scoring algorithms

Work Current Tools Handle Less Reliably

Complex commercial loans
Relationship building
Exception handling

Practical Ways to Adapt

Commercial lending
Relationship management
Financial planning
Mortgage specialist

Key Skills for This Role

Credit AnalysisSalesRegulations

Career Overview

Median Salary$63,000/yr
Total Employed318k
Job Outlookdeclining
Categoryfinance

Get Your Score

This page shows the average role. Check the tasks that fill your actual day to see where your score differs.

Data sources: U.S. Bureau of Labor Statistics (BLS), O*NET OnLine, industry research reports. Occupation pages use versioned task data and a consistent scoring model. Individual results also reflect the tasks a person selects.

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