# Will loan officers be replaced by AI? Updated October 2026 Loan officers score 63 of 100 for AI exposure. The largest share of their task time, 65%, is work AI speeds up while they stay in charge. AI can take over 33% outright, and 2% stays with people. - **33%** AI can do it - **65%** AI helps - **2%** Needs a person High exposure Higher than 94% of the 923 occupations we scored. ## Task by task We graded 30 tasks, listed here from most to least exposed. AI can do 10 of them today, speeds up 19 and leaves 1 to people. | Task | AI exposure | | --- | --- | | Maintain and review account records, updating and recategorizing them according to status changes. Updating account records and statuses is routine data entry. | 85% AI can do it | | Compute payment schedules. Payment schedule math is deterministic and easily automated in software. | 85% AI can do it | | Calculate amount of debt and funds available to plan methods of payoff and to estimate time for debt liquidation. Payoff and liquidation calculations are formulaic and easily automated. | 80% AI can do it | | Review billing for accuracy. Billing accuracy checks follow clear rules, suiting software. | 80% AI can do it | | Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action. Delinquency notices are templated letters; AI drafts, staff sends. | 75% AI can do it | [See what AI can take on across a finance team](https://www.aigentcy.com/ai-for/finance/) ## How loan officers compare All occupations (923) Business and financial operations (48) **Loan officers score 63**, marked by the dark line. Each dot is a score, darker where more occupations share it. The short marks show the averages, 37 for all occupations and 55 for business and financial operations. ## Pay and outlook in the US Median pay $76,690 a year, May 2025 People employed 274,330 in the US, May 2025 Projected change in jobs +1.1% from 2024 to 2034 ## Skills to build - Negotiate repayment plans with delinquent borrowers by phone - Meet applicants in person to gather loan file information - Confer with underwriters to resolve mortgage file problems - Build payoff and payment schedules in Microsoft Excel - Present credit policy options to senior managers in PowerPoint - Hold an NMLS mortgage loan originator license ## Safer roles nearby 5 related occupations with lower scores. - [Credit analysts62 out of 100](https://www.aigentcy.com/ai-exposure/credit-analysts/) - [Credit clerks61 out of 100](https://www.aigentcy.com/ai-exposure/credit-clerks/) - [Financial advisors60 out of 100](https://www.aigentcy.com/ai-exposure/financial-advisors/) - [Financial managers49 out of 100](https://www.aigentcy.com/ai-exposure/financial-managers/) - [Financial analysts58 out of 100](https://www.aigentcy.com/ai-exposure/financial-analysts/) ## Questions about loan officers and AI Will AI replace loan officers? Partly. About 5 in 10 working hours go to tasks AI can already do, mostly keeping account records current and computing payment schedules. Applicant meetings, repayment talks with delinquent borrowers, and credit policy work stay with people. Which loan officer tasks is AI taking over? Account record updates, payment schedule math, and billing checks are moving first. Account records and payment schedules each score 85 on exposure because they follow fixed rules that software runs well. AI handles the calculation, and staff review the exceptions. Which loan officer tasks stay with people? Supervising loan staff scores lowest on exposure, at 15, because it needs judgment and presence. Meeting applicants and counseling clients on family money problems follow at 25, since live conversations and trust depend on people. How do loan officers stay valuable? Spend more hours on applicant meetings, repayment talks with delinquent borrowers, and credit policy with senior managers. Use Microsoft Excel to check every payment schedule AI produces, and bring policy options to leadership in Microsoft PowerPoint. Keep your NMLS mortgage loan originator license current. ## Related jobs - [Loan clerks64 out of 100](https://www.aigentcy.com/ai-exposure/loan-clerks/) - [Stockbrokers64 out of 100](https://www.aigentcy.com/ai-exposure/stockbrokers/) - [Bill collectors65 out of 100](https://www.aigentcy.com/ai-exposure/bill-collectors/) - [Tellers53 out of 100](https://www.aigentcy.com/ai-exposure/tellers/) ## Next steps for loan officers - ### Check your job Your job title is a rough guide. Your actual tasks decide your score. Paste your job description or CV and see which of your tasks AI can do. [Check your job](https://www.aigentcy.com/tools/ai-exposure-checker/) [Check your CV](https://www.aigentcy.com/tools/cv-checker/) ### Check which roles in your team AI can take on We map your team's tasks, show what AI can do today and build the automations that pay back first. [Book an AI audit](https://www.aigentcy.com/audit/) ## Related topics - [**Jobs AI can't replace**Cement masons score lowest, at 8.](https://www.aigentcy.com/ai-exposure/jobs-ai-cant-replace/) - [**Jobs most at risk from AI**Proofreaders score highest, at 76.](https://www.aigentcy.com/ai-exposure/jobs-most-exposed-to-ai/) - [**High-paying jobs with low AI exposure**Radiologists earn a median $420,860 and score 46.](https://www.aigentcy.com/ai-exposure/high-paying-jobs-low-ai-exposure/) - [**Entry-level jobs with low AI exposure**Cement masons need little prior training and score 8.](https://www.aigentcy.com/ai-exposure/entry-level-jobs-low-ai-exposure/) - [**Jobs AI speeds up the most**For natural sciences managers, AI speeds up 96% of task time.](https://www.aigentcy.com/ai-exposure/jobs-ai-speeds-up/) - [**AI and jobs in Malta**15 iGaming roles graded task by task.](https://www.aigentcy.com/ai-exposure/malta/) - [**Skills that keep work human**The skills to build in the jobs AI changes least.](https://www.aigentcy.com/ai-exposure/skills/) - [**Jobs A to Z**Every job we publish, by first letter.](https://www.aigentcy.com/ai-exposure/jobs/) - [**AI exposure by industry**Average scores for 22 occupation groups.](https://www.aigentcy.com/ai-exposure/industries/) - [**Write a CV screening software can read**How applicant tracking systems read a CV, and what to change.](https://www.aigentcy.com/ai-exposure/cv-screening-guide/) - [**AI for businesses**The tasks to automate first in each team and industry.](https://www.aigentcy.com/ai-for/) - [**How we score AI exposure**The grading, the weights and every source.](https://www.aigentcy.com/ai-exposure/methodology/) Occupation data from the O\*NET 30.3 Database by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA), used under [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/) and modified by Aigentcy. O\*NET® is a trademark of USDOL/ETA. Wage, employment and projection data from the U.S. Bureau of Labor Statistics. EU occupation names from ESCO, European Commission. AI usage signals from the Anthropic Economic Index (CC BY) and Microsoft Research (CC BY 4.0). [Methodology and sources](https://www.aigentcy.com/ai-exposure/methodology/). Scores © Aigentcy. Quote them with a link to the page.