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Technicians and associate professionals · code 3312

Credit and loans officers

Credit and loans officers analyse and evaluate financial information on applications for credit and loans and determine approval or disapproval of the client for the credit or loan, or recommend to management approval or disapproval. Tasks include - (a) interviewing applicants for personal, mortgage, student and business loans; (b) researching and evaluating loan applicants’ financial status, references, credit and ability to repay the loan; (c) submitting credit and loan applications to management with recommendations for approval or rejection; (d) approving or rejecting loan applications within authorized limits ensuring that credit standards of the institution are respected; (e) keeping records of payments, preparing routine letters requesting payment for overdue accounts and forwarding these for legal action; (f) completing credit and loan documentation. Examples of the occupations classified here: - Loans officer - Mortgage officer Some related occupations classified elsewhere: - Financial institution branch manager - 1346

The ILO’s highest group: nearly every task is affected. It ranks 417 of 427 for holding up against AI.

Also known as

  • credit risk analyst
  • student financial support coordinator
  • bank account manager
  • credit adviser
  • mortgage loan underwriter
  • credit manager
  • loan officer

Job titles from the EU's ESCO list. Search for any of them on the jobs page and you'll end up here.

39.5
Holds up
against AI Exposed: Gradient 4

AI could take on 60.5 of 100, on average
so it holds up at 100 − 60.5 = 39.5

That's the whole sum, and you can check it against the ILO's study.

12.6
How hands-on
out of 100

From O*NET, averaged across 2 US jobs

9
How fiddly
and cramped

finger skill 16 · hand skill 9.9 · cramped spaces 0.9 · averaged

Kind of hands-on work · hands-on under 50 Less than half hands-on

Less than half of this job is hands-on. Robots still matter, but for a smaller part of the work, so we don't sort it any further.

estimated O*NET 31.0 BLS occupational crosswalk chain ISCO-08 to 2010 SOC (Aug 2012, rev. Jun 2015); 2010 to 2018 SOC (Nov 2017); O*NET-SOC 2019 taxonomy data 0.7-work-setting measures chosen by Frey & Osborne (2017) · the grouping is a sorting, not a measurement

What this number leaves out This job rates 12.6 out of 100 for how hands-on it is. The score above only looks at AI tools, not robots, but for work this far from the physical that matters less.

The tasks behind the score

The score is the average of these. A job is really a bundle of tasks, and an average can hide how uneven that bundle is.

The task AI could do most of scores 65.5, while the average is 60.5. A big gap means some of this job is wide open to AI and some of it barely at all. That's quite different from a job where everything sits somewhere in the middle, even when the averages match.

  1. 65.5

    Keeping records of payments, and preparing routine letters requesting payment for overdue accounts and forwarding these for legal action

    Medium
  2. 64

    Submitting credit and loan applications to management with recommendations for approval or rejection

    Medium
  3. 61

    Approving or rejecting loan applications within authorized limits ensuring that credit standards of the institution are respected

    Medium
  4. 60

    Completing credit and loan documentation.

    Medium
  5. 57.5

    Researching and evaluating loan applicant’s financial status, references, credit and ability to repay the loan

    Medium
  6. 55

    Interviewing applicants for personal, mortgage, student and business loans

    Medium

6 tasks · the High to Very Low labels are the ILO's

from the source Working Paper 140, Generative AI and Jobs 2025 index data 0.7-work-setting

Helped, or replaced?

The score above can't tell a tool that makes you faster from one that does the task instead of you. Jobs and Skills Australia looked at those two things separately, and this is their result, matched to this job.

One Australian job matches this one closely, so this is about as reliable as it gets here.

AI helps you
71
AI does it for you
68

Helping wins by 3 points.

estimated Our Gen AI Transition (Gen AI Capacity Study) September 2025 detailed data release data 0.7-work-setting matched to Australian jobs 5522

Compared with similar jobs

There are 82 jobs in the “Technicians and associate professionals” group, averaging 65.7. This one is below that.