Will AI Replace Loan Officers? AI Risk 70/100

Q: Will AI replace loan officers?

Loan officers get an AI risk score of 70 out of 100 (high risk). Big changes are already under way and most of the routine work could be automated by about 2030.

High risk

The verdict

Big changes are already under way and most of the routine work could be automated by about 2030.

What AI already does

Credit scoring and document checks are largely automated already.

What stays human

Complex lending, small business loans and relationships.

What to learn next

Commercial lending, financial advice, risk analysis.

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Other finance jobs

Bank tellers80/100, high risk Bookkeepers80/100, high risk Insurance underwriters78/100, high risk Accountants62/100, high risk Financial analysts62/100, high risk Actuaries55/100, medium risk

Safer moves from loan officers: financial advisors (42).

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Sources: World Economic Forum, Future of Jobs Report 2025; IMF, "Gen-AI: Artificial Intelligence and the Future of Work" (2024); ILO, "Generative AI and Jobs" (2023, updated 2025); Eloundou et al., "GPTs are GPTs" (2023); Frey and Osborne, "The Future of Employment" (2013). Scores are RoboDoom's own estimates, see how we score.

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