Shigoto Zukan
日本語

Will AI replace loan officers?AI replacement risk 75% and how the work is changing

United States Finance Confidence ★★★★★

Median annual pay
$76,690
25th–75th pct. $52,730–$104,080
Top pay (est.)
$199,100
Top 10% $153,180
Pay in 5 years
$85,100est.
2031
Pay in 10 years
$94,500est.
$81,200–$109,700
Outlook score
39/100
★★☆☆☆ Below average
AI replacement risk
75%
High
Job growth (10 yr)
+1.1%
17K openings / yr

Will AI replace Loan Officers? AI replacement risk

75%
High
Ranked #768 safest from AI among all U.S. occupations
Very lowLowModerateHighVery high

How AI is changing this job

A written analysis for this occupation is being prepared.

AI replacement risk compares the parts of a job that are easy to hand to AI or software (processing information, documentation, repetitive computer work) with the parts that are hard to automate (physical work, working closely with people, judgment in unpredictable settings), using O*NET work activities, work context, skills and knowledge. The result is a relative position among all occupations in the country, scaled to 0–100%. Methodology →

Skills, education and requirements for Loan Officers

Key skills

Active Listening
4.0
Critical Thinking
4.0
Reading Comprehension
4.0
Speaking
4.0
Judgment and Decision Making
3.9
Writing
3.9
Service Orientation
3.5
Time Management
3.2

O*NET skill level ratings (0–7).

Key knowledge areas

Customer and Personal Service
5.6
Sales and Marketing
4.4
Mathematics
4.2
Economics and Accounting
4.2
Administration and Management
3.8
English Language
3.8
Law and Government
3.6
Computers and Electronics
3.5

What the work involves

Establishing and Maintaining Interpersonal RelationshipsAnalyzing Data or InformationProcessing InformationCommunicating with Supervisors, Peers, or SubordinatesGetting InformationEvaluating Information to Determine Compliance with StandardsUpdating and Using Relevant KnowledgeOrganizing, Planning, and Prioritizing Work

Important abilities

Near VisionOral ExpressionOral ComprehensionSpeech RecognitionWritten ExpressionWritten Comprehension

Education of workers

Bachelor's degree
69%
Some college
13%
Associate's degree
11%
High school diploma
6%
Post-bachelor's certificate
1%

Training before entry

None / short demo
19%
1–3 months
18%
1–2 years
15%
6–12 months
13%
3–6 months
12%
Up to 1 month
10%
2–4 years
9%
4–10 years
5%

Related work experience

4–6 years
40%
2–4 years
31%
3–6 months
10%
Over 10 years
6%
1–2 years
6%
6–12 months
4%
6–8 years
2%

Job Zone 4 — considerable preparation needed (O*NET)

Difficulty of entry: ★★★☆☆ Moderate (from education, training, experience and Job Zone)

Pay and employment figures are national statistics. Projected pay, outlook scores and AI replacement risk are estimates from the Shigoto Zukan model, not guarantees. To request a correction, use the contact form. How to read the data
Sources: BLS OEWS May 2025; BLS Employment Projections 2025–35; O*NET 31.0 Database by USDOL/ETA (CC BY 4.0), modified by Shigoto Zukan. Pay ranges, projections and scores are Shigoto Zukan estimates.