Credit and loans officers
Almost every task can be done with generative AI, with little uncertainty. This is where the change is biggest — and where switching makes most sense.
Exposure is not job loss: it shows how much of the work generative AI could do today. Whether that turns into transformation, productivity gains or cuts depends on employers, regulation — and on you.
0 = today’s generative AI cannot perform any of the job’s tasks, 100 = it could do all of them fully. The pale band is the spread across tasks.
Work out your own score ↓What can you do?
🤖 Written with AIThis text was written by artificial intelligence from the data points shown; it is built on verified figures but may contain mistakes.· 12/10/2026How is it made?
With an exposure score of 60/100, credit and loans officers will see routine collections correspondence, application drafting, and standard underwriting heavily automated, shifting focus toward complex client advisory, relationship management, and nuanced risk decisions.
What changes
- Automating routine overdue payment notices, payment records tracking, and standard collection letters.
- Synthesizing applicant financial dossiers into draft recommendation memos for management approval.
- Fast-tracking standard credit limit verifications and automated eligibility screening within established policies.
What stays human
- Conducting in-depth borrower interviews to evaluate non-standard income, character, and business viability.
- Navigating sensitive debt workouts, payment restructuring negotiations, and distress situations with empathy.
- Exercising human judgment and institutional accountability on high-stakes, borderline loan approvals.
What to learn
- Auditing AI underwriting outputs, explaining algorithmic rejections, and verifying fair-lending regulatory compliance.
- Structuring non-standard commercial loans, advanced cash-flow modeling, and forensic financial statement analysis.
- Consultative client relationship management to guide borrowers through multifaceted borrowing options.
Task by task
The ILO scored every task of the occupation separately, as the average of two AI models (GPT-4o and Gemini). The pale band is the range between the two models' scores, the dot the ILO's final score (for a few tasks expert review placed it outside the band).
- Keeping records of payments, and preparing routine letters requesting payment for overdue accounts and forwarding these for legal action66
- Submitting credit and loan applications to management with recommendations for approval or rejection64
- Approving or rejecting loan applications within authorized limits ensuring that credit standards of the institution are respected61
- Completing credit and loan documentation.60
- Researching and evaluating loan applicant’s financial status, references, credit and ability to repay the loan57
- Interviewing applicants for personal, mortgage, student and business loans55
How much does it affect you?
Every job is different: mark which of these tasks you do and how much, and we'll compute your own, time-weighted score.
For each task: I don't do it · sometimes · most of my job.
- Keeping records of payments, and preparing routine letters requesting payment for overdue accounts and forwarding these for legal action(66)
- Submitting credit and loan applications to management with recommendations for approval or rejection(64)
- Approving or rejecting loan applications within authorized limits ensuring that credit standards of the institution are respected(61)
- Completing credit and loan documentation.(60)
- Researching and evaluating loan applicant’s financial status, references, credit and ability to repay the loan(57)
- Interviewing applicants for personal, mortgage, student and business loans(55)
You are exactly at the occupation average. (The occupation's score: 60.)
About 100% of your working time goes to highly exposed tasks (score ≥ 50).
- • Keeping records of payments, and preparing routine letters requesting payment for overdue accounts and forwarding these for legal action
- • Submitting credit and loan applications to management with recommendations for approval or rejection
- • Interviewing applicants for personal, mortgage, student and business loans
- • Researching and evaluating loan applicant‚Äôs financial status, references, credit and ability to repay the loan
An estimate from the ILO task scores. Everything is computed in your browser — nothing is sent or stored.
How many people work in this occupational group?
Share of the Business and administration associate professionals group in total employment, by country (Eurostat, ISCO 2-digit — 4-digit breakdowns are not public by country).
Table view
| Country | Business and administration associate professionals |
|---|---|
| Cyprus | 10.6% · 53 thousand · 2025 |
| Luxembourg | 9.0% · 29 thousand · 2025 |
| Sweden | 8.6% · 450 thousand · 2025 |
| Austria | 8.3% · 373 thousand · 2025 |
| Latvia | 8.0% · 71 thousand · 2025 |
| Czechia | 7.8% · 405 thousand · 2025 |
| Hungary | 7.6% · 354 thousand · 2025 |
| Denmark | 7.6% · 232 thousand · 2025 |
| Germany | 7.4% · 3,144 thousand · 2025 |
| Italy | 7.4% · 1,772 thousand · 2025 |
| Slovenia | 7.2% · 72 thousand · 2025 |
| Netherlands | 6.9% · 682 thousand · 2025 |
| Estonia | 6.8% · 47 thousand · 2025 |
| France | 6.7% · 1,961 thousand · 2025 |
| Belgium | 6.6% · 341 thousand · 2025 |
| Iceland | 6.6% · 15 thousand · 2025 |
| Poland | 6.5% · 1,121 thousand · 2025 |
| United Kingdom | 6.2% · 2,127 thousand · 2025 |
| Ireland | 6.0% · 168 thousand · 2025 |
| Finland | 6.0% · 154 thousand · 2025 |
| Slovakia | 5.9% · 155 thousand · 2025 |
| Norway | 5.9% · 170 thousand · 2025 |
| Bulgaria | 5.7% · 167 thousand · 2025 |
| Portugal | 5.6% · 295 thousand · 2025 |
| Croatia | 5.6% · 94 thousand · 2025 |
| Malta | 5.3% · 17 thousand · 2025 |
| Switzerland | 5.1% · 244 thousand · 2025 |
| Spain | 5.0% · 1,113 thousand · 2025 |
| Lithuania | 4.3% · 63 thousand · 2025 |
| Romania | 3.5% · 268 thousand · 2025 |
| Greece | 3.5% · 151 thousand · 2025 |
What do they earn?
Mean gross monthly earnings in the major occupational group (Technicians and associate professionals). Eurostat's earnings survey only publishes pay by occupation at 1 digit, so this is the job's broader group. Enterprises with 10+ employees, 2022.
By country, at purchasing power parity (PPS/month), so countries with different price levels can be compared.
- Switzerland5,280
- Luxembourg4,320
- Norway4,307
- Denmark4,301
- Ireland4,024
- Belgium3,903
- Iceland3,856
- Germany3,608
- Austria3,399
- Netherlands3,247
- EU273,226
- Italy3,127
- Sweden3,089
- Finland2,971
- France2,687
- Spain2,685
- Slovenia2,660
- Cyprus2,537
- Lithuania2,472
- Malta2,464
- Romania2,310
- Poland2,294
- Czechia2,275
- Estonia2,251
- Croatia2,127
- Latvia2,081
- Hungary2,054
- Greece2,050
- Portugal2,044
- Slovakia2,027
- Bulgaria1,738
Source: Eurostat Structure of Earnings Survey (earn_ses22_21), every four years. The United Kingdom is not covered by the survey.
Outlook to 2035
Employment in the Business and administration associate professionals group according to Cedefop's 2026 forecast.
thousand · Cedefop Skills Forecast 2026 · 2026–2035: projection
Replacement demand is the jobs left by people retiring or changing careers — even a shrinking occupation can have many openings.
Related occupations
Sources: ILO WP140 (2025) · Eurostat lfsa_egai2d · Cedefop Skills Forecast 2026 · WEF Future of Jobs 2025 · ESCO. The exposure score measures how much of an occupation's tasks generative AI could perform — not whether the job disappears. For information only, not career advice. How do we calculate this?