[Core] [63% incumbents] Meet with applicants to obtain information for loan applications and to answer questions about the process.
  DWAs: Interview clients to gather financial information.

[Core] [63% incumbents] Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
  DWAs: Authorize financial actions.

[Core] [63% incumbents] Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
  DWAs: Interpret financial information for others.

[Core] [63% incumbents] Submit applications to credit analysts for verification and recommendation.
  DWAs: Submit financial applications.

[Core] [63% incumbents] Review loan agreements to ensure that they are complete and accurate according to policy.
  DWAs: Verify accuracy of financial information.

[Core] [63% incumbents] Review and update credit and loan files.
  DWAs: Examine financial records. | Maintain data in information systems or databases.

[Core] [63% incumbents] Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
  DWAs: Gather financial records.

[Core] [63% incumbents] Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
  DWAs: Update professional knowledge.

[Core] [63% incumbents] Market bank products to individuals and firms, promoting bank services that may meet customers' needs.
  DWAs: Market products, services, or events.

[Core] [63% incumbents] Analyze potential loan markets and develop referral networks to locate prospects for loans.
  DWAs: Analyze market conditions or trends.

[Core] [63% incumbents] Compute payment schedules.
  DWAs: Compute debt repayment schedules.

[Supplemental] [63% incumbents] Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.
  DWAs: Prepare financial documents, reports, or budgets.

[Core] [62% incumbents] Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
  DWAs: Assess financial status of clients.

[Core] [62% incumbents] Work with clients to identify their financial goals and to find ways of reaching those goals.
  DWAs: Develop financial plans for clients.

[Core] [62% incumbents] Handle customer complaints and take appropriate action to resolve them.
  DWAs: Correspond with customers to answer questions or resolve complaints.

[Supplemental] [62% incumbents] Supervise loan personnel.
  DWAs: Supervise employees.

[Supplemental] [62% incumbents] Set credit policies, credit lines, procedures and standards in conjunction with senior managers.
  DWAs: Establish organizational guidelines or policies.

[None] Assist in selection of financial award candidates using electronic databases to certify loan eligibility.
  DWAs: Verify application data to determine program eligibility.

[None] Authorize or sign mail collection letters.
  DWAs: Authorize financial actions.

[None] Calculate amount of debt and funds available to plan methods of payoff and to estimate time for debt liquidation.
  DWAs: Compute debt repayment schedules.

[None] Confer with underwriters to resolve mortgage application problems.
  DWAs: Confer with others about financial matters.

[None] Contact applicants or creditors to resolve questions about applications or to assist with completion of paperwork.
  DWAs: Correspond with customers to answer questions or resolve complaints.

[None] Contact borrowers with delinquent accounts to obtain payment in full or to negotiate repayment plans.
  DWAs: Inform individuals or organizations of status or findings.

[None] Counsel clients on personal and family financial problems, such as excessive spending or borrowing of funds.
  DWAs: Advise others on financial matters.

[None] Establish payment priorities according to credit terms and interest rates to reduce clients' overall costs.
  DWAs: Develop financial plans for clients.

[None] Inform individuals and groups about the financial assistance available to college or university students.
  DWAs: Educate clients on financial planning topics.

[None] Maintain and review account records, updating and recategorizing them according to status changes.
  DWAs: Maintain data in information systems or databases.

[None] Match individuals' needs and eligibility with available financial aid programs to provide informed recommendations.
  DWAs: Assess financial status of clients. | Recommend products or services to customers.

[None] Review accounts to determine write-offs for collection agencies.
  DWAs: Examine financial records.

[None] Review billing for accuracy.
  DWAs: Verify accuracy of records.

--- SKILLS ---
  Active Listening (imp:4.00 lvl:4.00) — Giving full attention to what other people are saying, taking time to understand
  Speaking (imp:4.00 lvl:4.00) — Talking to others to convey information effectively.
  Reading Comprehension (imp:3.88 lvl:4.00) — Understanding written sentences and paragraphs in work-related documents.
  Critical Thinking (imp:3.75 lvl:4.00) — Using logic and reasoning to identify the strengths and weaknesses of alternativ
  Writing (imp:3.38 lvl:3.88) — Communicating effectively in writing as appropriate for the needs of the audienc
  Mathematics (imp:3.25 lvl:3.12) — Using mathematics to solve problems.
  Active Learning (imp:3.12 lvl:3.12) — Understanding the implications of new information for both current and future pr
  Monitoring (imp:2.88 lvl:3.00) — Monitoring/Assessing performance of yourself, other individuals, or organization
  Learning Strategies (imp:2.75 lvl:2.62) — Selecting and using training/instructional methods and procedures appropriate fo
  Science (imp:1.00) — Using scientific rules and methods to solve problems.

--- KNOWLEDGE ---
  Customer and Personal Service (imp:4.70 lvl:5.60) — Knowledge of principles and processes for providing customer and personal servic
  Economics and Accounting (imp:3.86 lvl:4.17) — Knowledge of economic and accounting principles and practices, the financial mar
  English Language (imp:3.77 lvl:3.77) — Knowledge of the structure and content of the English language including the mea
  Mathematics (imp:3.69 lvl:4.20) — Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their appl
  Sales and Marketing (imp:3.47 lvl:4.40) — Knowledge of principles and methods for showing, promoting, and selling products
  Law and Government (imp:3.28 lvl:3.62) — Knowledge of laws, legal codes, court procedures, precedents, government regulat
  Administration and Management (imp:3.14 lvl:3.82) — Knowledge of business and management principles involved in strategic planning, 
  Education and Training (imp:2.87 lvl:3.35) — Knowledge of principles and methods for curriculum and training design, teaching
  Administrative (imp:2.80 lvl:3.42) — Knowledge of administrative and office procedures and systems such as word proce
  Computers and Electronics (imp:2.76 lvl:3.55) — Knowledge of circuit boards, processors, chips, electronic equipment, and comput
  Personnel and Human Resources (imp:2.48 lvl:2.68) — Knowledge of principles and procedures for personnel recruitment, selection, tra
  Communications and Media (imp:2.33 lvl:2.28) — Knowledge of media production, communication, and dissemination techniques and m
  Production and Processing (imp:2.22 lvl:2.38) — Knowledge of raw materials, production processes, quality control, costs, and ot
  Psychology (imp:2.13 lvl:2.12) — Knowledge of human behavior and performance; individual differences in ability, 
  Public Safety and Security (imp:2.07 lvl:1.74) — Knowledge of relevant equipment, policies, procedures, and strategies to promote
  Telecommunications (imp:1.68 lvl:0.89) — Knowledge of transmission, broadcasting, switching, control, and operation of te
  Sociology and Anthropology (imp:1.65 lvl:1.44) — Knowledge of group behavior and dynamics, societal trends and influences, human 
  Building and Construction (imp:1.64 lvl:1.07) — Knowledge of materials, methods, and the tools involved in the construction or r
  Foreign Language (imp:1.64 lvl:0.95) — Knowledge of the structure and content of a foreign (non-English) language inclu
  Philosophy and Theology (imp:1.62 lvl:1.43) — Knowledge of different philosophical systems and religions. This includes their 
  Geography (imp:1.59 lvl:1.14) — Knowledge of principles and methods for describing the features of land, sea, an
  Transportation (imp:1.54 lvl:1.05) — Knowledge of principles and methods for moving people or goods by air, rail, sea
  History and Archeology (imp:1.50 lvl:0.94) — Knowledge of historical events and their causes, indicators, and effects on civi
  Food Production (imp:1.49) — Knowledge of techniques and equipment for planting, growing, and harvesting food
  Therapy and Counseling (imp:1.37) — Knowledge of principles, methods, and procedures for diagnosis, treatment, and r
  Engineering and Technology (imp:1.29 lvl:0.50) — Knowledge of the practical application of engineering science and technology. Th
  Mechanical (imp:1.15) — Knowledge of machines and tools, including their designs, uses, repair, and main
  Biology (imp:1.14) — Knowledge of plant and animal organisms, their tissues, cells, functions, interd
  Design (imp:1.09) — Knowledge of design techniques, tools, and principles involved in production of 
  Physics (imp:1.05) — Knowledge and prediction of physical principles, laws, their interrelationships,
  Chemistry (imp:1.03) — Knowledge of the chemical composition, structure, and properties of substances a
  Medicine and Dentistry (imp:1.03) — Knowledge of the information and techniques needed to diagnose and treat human i
  Fine Arts (imp:1.01) — Knowledge of the theory and techniques required to compose, produce, and perform

--- ABILITIES ---
  Oral Comprehension (imp:4.00 lvl:4.12) — The ability to listen to and understand information and ideas presented through 
  Written Comprehension (imp:4.00 lvl:4.00) — The ability to read and understand information and ideas presented in writing.
  Oral Expression (imp:4.00 lvl:4.12) — The ability to communicate information and ideas in speaking so others will unde
  Written Expression (imp:3.88 lvl:4.00) — The ability to communicate information and ideas in writing so others will under
  Near Vision (imp:3.88 lvl:4.50) — The ability to see details at close range (within a few feet of the observer).
  Problem Sensitivity (imp:3.75 lvl:3.50) — The ability to tell when something is wrong or is likely to go wrong. It does no
  Deductive Reasoning (imp:3.75 lvl:3.88) — The ability to apply general rules to specific problems to produce answers that 
  Inductive Reasoning (imp:3.75 lvl:3.88) — The ability to combine pieces of information to form general rules or conclusion
  Speech Recognition (imp:3.75 lvl:4.00) — The ability to identify and understand the speech of another person.
  Speech Clarity (imp:3.75 lvl:3.62) — The ability to speak clearly so others can understand you.
  Mathematical Reasoning (imp:3.25 lvl:3.12) — The ability to choose the right mathematical methods or formulas to solve a prob
  Number Facility (imp:3.25 lvl:3.50) — The ability to add, subtract, multiply, or divide quickly and correctly.
  Information Ordering (imp:3.12 lvl:3.12) — The ability to arrange things or actions in a certain order or pattern according
  Fluency of Ideas (imp:3.00 lvl:2.62) — The ability to come up with a number of ideas about a topic (the number of ideas
  Category Flexibility (imp:3.00 lvl:3.00) — The ability to generate or use different sets of rules for combining or grouping
  Selective Attention (imp:3.00 lvl:2.38) — The ability to concentrate on a task over a period of time without being distrac
  Flexibility of Closure (imp:2.75 lvl:2.38) — The ability to identify or detect a known pattern (a figure, object, word, or so
  Perceptual Speed (imp:2.25 lvl:2.12) — The ability to quickly and accurately compare similarities and differences among
  Time Sharing (imp:2.25 lvl:2.12) — The ability to shift back and forth between two or more activities or sources of
  Originality (imp:2.12 lvl:2.50) — The ability to come up with unusual or clever ideas about a given topic or situa
  Speed of Closure (imp:2.12 lvl:2.12) — The ability to quickly make sense of, combine, and organize information into mea
  Far Vision (imp:2.12 lvl:1.50) — The ability to see details at a distance.
  Auditory Attention (imp:2.12 lvl:1.75) — The ability to focus on a single source of sound in the presence of other distra
  Memorization (imp:2.00 lvl:2.00) — The ability to remember information such as words, numbers, pictures, and proced
  Arm-Hand Steadiness (imp:2.00 lvl:1.00) — The ability to keep your hand and arm steady while moving your arm or while hold
  Manual Dexterity (imp:2.00 lvl:1.00) — The ability to quickly move your hand, your hand together with your arm, or your
  Finger Dexterity (imp:2.00 lvl:1.62) — The ability to make precisely coordinated movements of the fingers of one or bot
  Visual Color Discrimination (imp:2.00 lvl:1.12) — The ability to match or detect differences between colors, including shades of c
  Visualization (imp:1.88 lvl:1.12) — The ability to imagine how something will look after it is moved around or when 
  Control Precision (imp:1.88 lvl:0.88) — The ability to quickly and repeatedly adjust the controls of a machine or a vehi
  Hearing Sensitivity (imp:1.88 lvl:1.12) — The ability to detect or tell the differences between sounds that vary in pitch 
  Depth Perception (imp:1.50 lvl:0.50) — The ability to judge which of several objects is closer or farther away from you
  Trunk Strength (imp:1.38 lvl:0.62) — The ability to use your abdominal and lower back muscles to support part of the 
  Dynamic Strength (imp:1.25 lvl:0.25) — The ability to exert muscle force repeatedly or continuously over time. This inv
  Wrist-Finger Speed (imp:1.12 lvl:0.25) — The ability to make fast, simple, repeated movements of the fingers, hands, and 
  Spatial Orientation (imp:1.00) — The ability to know your location in relation to the environment or to know wher
  Multilimb Coordination (imp:1.00) — The ability to coordinate two or more limbs (for example, two arms, two legs, or
  Response Orientation (imp:1.00) — The ability to choose quickly between two or more movements in response to two o
  Rate Control (imp:1.00) — The ability to time your movements or the movement of a piece of equipment in an
  Reaction Time (imp:1.00) — The ability to quickly respond (with the hand, finger, or foot) to a signal (sou
  Speed of Limb Movement (imp:1.00) — The ability to quickly move the arms and legs.
  Static Strength (imp:1.00) — The ability to exert maximum muscle force to lift, push, pull, or carry objects.
  Explosive Strength (imp:1.00) — The ability to use short bursts of muscle force to propel oneself (as in jumping
  Stamina (imp:1.00) — The ability to exert yourself physically over long periods of time without getti
  Extent Flexibility (imp:1.00) — The ability to bend, stretch, twist, or reach with your body, arms, and/or legs.
  Dynamic Flexibility (imp:1.00) — The ability to quickly and repeatedly bend, stretch, twist, or reach out with yo
  Gross Body Coordination (imp:1.00) — The ability to coordinate the movement of your arms, legs, and torso together wh
  Gross Body Equilibrium (imp:1.00) — The ability to keep or regain your body balance or stay upright when in an unsta
  Night Vision (imp:1.00) — The ability to see under low-light conditions.
  Peripheral Vision (imp:1.00) — The ability to see objects or movement of objects to one's side when the eyes ar
  Glare Sensitivity (imp:1.00) — The ability to see objects in the presence of a glare or bright lighting.
  Sound Localization (imp:1.00) — The ability to tell the direction from which a sound originated.

--- WORK ACTIVITIES ---
  Getting Information (imp:4.50 lvl:4.61) — Observing, receiving, and otherwise obtaining information from all relevant sour
  Evaluating Information to Determine Compliance with Standards (imp:4.49 lvl:4.61) — Using relevant information and individual judgment to determine whether events o
  Establishing and Maintaining Interpersonal Relationships (imp:4.34 lvl:4.94) — Developing constructive and cooperative working relationships with others, and m
  Processing Information (imp:4.28 lvl:4.66) — Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying
  Analyzing Data or Information (imp:4.26 lvl:4.70) — Identifying the underlying principles, reasons, or facts of information by break
  Working with Computers (imp:4.24 lvl:3.27) — Using computers and computer systems (including hardware and software) to progra
  Communicating with People Outside the Organization (imp:4.11 lvl:4.32) — Communicating with people outside the organization, representing the organizatio
  Making Decisions and Solving Problems (imp:4.08 lvl:4.13) — Analyzing information and evaluating results to choose the best solution and sol
  Communicating with Supervisors, Peers, or Subordinates (imp:4.06 lvl:4.63) — Providing information to supervisors, co-workers, and subordinates by telephone,
  Updating and Using Relevant Knowledge (imp:3.94 lvl:4.48) — Keeping up-to-date technically and applying new knowledge to your job.
  Organizing, Planning, and Prioritizing Work (imp:3.94 lvl:4.41) — Developing specific goals and plans to prioritize, organize, and accomplish your
  Documenting/Recording Information (imp:3.79 lvl:4.06) — Entering, transcribing, recording, storing, or maintaining information in writte
  Judging the Qualities of Objects, Services, or People (imp:3.68 lvl:4.16) — Assessing the value, importance, or quality of things or people.
  Identifying Objects, Actions, and Events (imp:3.66 lvl:3.66) — Identifying information by categorizing, estimating, recognizing differences or 
  Performing for or Working Directly with the Public (imp:3.63 lvl:4.26) — Performing for people or dealing directly with the public. This includes serving
  Interpreting the Meaning of Information for Others (imp:3.58 lvl:3.82) — Translating or explaining what information means and how it can be used.
  Developing and Building Teams (imp:3.40 lvl:3.27) — Encouraging and building mutual trust, respect, and cooperation among team membe
  Selling or Influencing Others (imp:3.35 lvl:3.82) — Convincing others to buy merchandise/goods or to otherwise change their minds or
  Performing Administrative Activities (imp:3.34 lvl:3.33) — Performing day-to-day administrative tasks such as maintaining information files
  Resolving Conflicts and Negotiating with Others (imp:3.30 lvl:3.42) — Handling complaints, settling disputes, and resolving grievances and conflicts, 
  Thinking Creatively (imp:3.26 lvl:3.54) — Developing, designing, or creating new applications, ideas, relationships, syste
  Monitoring Processes, Materials, or Surroundings (imp:3.14 lvl:3.45) — Monitoring and reviewing information from materials, events, or the environment,
  Coordinating the Work and Activities of Others (imp:3.06 lvl:2.98) — Getting members of a group to work together to accomplish tasks.
  Scheduling Work and Activities (imp:3.01 lvl:3.02) — Scheduling events, programs, and activities, as well as the work of others.
  Providing Consultation and Advice to Others (imp:2.99 lvl:3.68) — Providing guidance and expert advice to management or other groups on technical,
  Developing Objectives and Strategies (imp:2.83 lvl:2.67) — Establishing long-range objectives and specifying the strategies and actions to 
  Estimating the Quantifiable Characteristics of Products, Events, or Information (imp:2.75 lvl:2.74) — Estimating sizes, distances, and quantities; or determining time, costs, resourc
  Guiding, Directing, and Motivating Subordinates (imp:2.47 lvl:2.33) — Providing guidance and direction to subordinates, including setting performance 
  Coaching and Developing Others (imp:2.37 lvl:2.76) — Identifying the developmental needs of others and coaching, mentoring, or otherw
  Training and Teaching Others (imp:2.32 lvl:2.42) — Identifying the educational needs of others, developing formal educational or tr
  Inspecting Equipment, Structures, or Materials (imp:2.23 lvl:2.02) — Inspecting equipment, structures, or materials to identify the cause of errors o
  Staffing Organizational Units (imp:2.11 lvl:1.79) — Recruiting, interviewing, selecting, hiring, and promoting employees in an organ
  Monitoring and Controlling Resources (imp:2.10 lvl:2.51) — Monitoring and controlling resources and overseeing the spending of money.
  Assisting and Caring for Others (imp:2.08 lvl:1.50) — Providing personal assistance, medical attention, emotional support, or other pe
  Controlling Machines and Processes (imp:1.69 lvl:0.91) — Using either control mechanisms or direct physical activity to operate machines 
  Performing General Physical Activities (imp:1.60 lvl:0.91) — Performing general physical activities includes doing activities that require co
  Handling and Moving Objects (imp:1.51 lvl:0.73) — Using hands and arms in handling, installing, positioning, and moving materials,
  Repairing and Maintaining Electronic Equipment (imp:1.38) — Servicing, repairing, calibrating, regulating, fine-tuning, or testing machines,
  Operating Vehicles, Mechanized Devices, or Equipment (imp:1.33) — Running, maneuvering, navigating, or driving vehicles or mechanized equipment, s
  Repairing and Maintaining Mechanical Equipment (imp:1.21) — Servicing, repairing, adjusting, and testing machines, devices, moving parts, an
  Drafting, Laying Out, and Specifying Technical Devices, Parts, and Equipment (imp:1.20) — Providing documentation, detailed instructions, drawings, or specifications to t

--- WORK STYLES ---
  Dependability (imp:5.00) — A tendency to be reliable, responsible, and consistent in meeting work-related o
  Attention to Detail (imp:4.00) — A tendency to be detail-oriented, organized, and thorough in completing work.
  Integrity (imp:3.00) — A tendency to be honest and ethical at work.
  Integrity (imp:2.89) — A tendency to be honest and ethical at work.
  Dependability (imp:2.65) — A tendency to be reliable, responsible, and consistent in meeting work-related o
  Attention to Detail (imp:2.44) — A tendency to be detail-oriented, organized, and thorough in completing work.
  Cautiousness (imp:2.28) — A tendency to be careful, deliberate, and risk-avoidant when making work-related
  Social Orientation (imp:2.24) — A tendency to seek out, enjoy, and be energized by social interaction at work.
  Cautiousness (imp:2.00) — A tendency to be careful, deliberate, and risk-avoidant when making work-related
  Achievement Orientation (imp:1.98) — A tendency to establish and maintain personally challenging work-related goals, 
  Initiative (imp:1.82) — A tendency to be proactive and take on extra responsibilities and tasks that may
  Perseverance (imp:1.80) — A tendency to exhibit determination and resolve to perform or complete tasks in 
  Cooperation (imp:1.77) — A tendency to be pleasant, helpful, and willing to assist others at work.
  Self-Confidence (imp:1.76) — A tendency to believe in one's work-related capabilities and ability to control 
  Self-Control (imp:1.70) — A tendency to remain calm and composed and to manage emotions effectively in res
  Stress Tolerance (imp:1.55) — A tendency to cope and function effectively in stressful situations at work.
  Empathy (imp:1.48) — A tendency to show concern for others and be sensitive to others' needs and feel
  Sincerity (imp:1.31) — A tendency to be genuine and sincere in interactions with others at work, withou
  Intellectual Curiosity (imp:1.23) — A tendency to seek out and acquire new work-related knowledge and obtain a deep 
  Leadership Orientation (imp:1.21) — A tendency to lead, take charge, offer opinions, and provide direction at work.
  Tolerance for Ambiguity (imp:1.14) — A tendency to be comfortable with ambiguity and uncertainty at work.
  Adaptability (imp:1.11) — A tendency to be open to and comfortable with change, new experiences, or ideas 
  Optimism (imp:1.07) — A tendency to exhibit a positive attitude and positive emotions at work, even un
  Social Orientation (imp:1.00) — A tendency to seek out, enjoy, and be energized by social interaction at work.
  Innovation (imp:0.70) — A tendency to be inventive, to be imaginative, and to adopt new perspectives on 
  Humility (imp:0.17) — A tendency to be modest and humble when interacting with others at work.
  Innovation () — A tendency to be inventive, to be imaginative, and to adopt new perspectives on 
  Achievement Orientation () — A tendency to establish and maintain personally challenging work-related goals, 
  Intellectual Curiosity () — A tendency to seek out and acquire new work-related knowledge and obtain a deep 
  Tolerance for Ambiguity () — A tendency to be comfortable with ambiguity and uncertainty at work.
  Initiative () — A tendency to be proactive and take on extra responsibilities and tasks that may
  Adaptability () — A tendency to be open to and comfortable with change, new experiences, or ideas 
  Self-Confidence () — A tendency to believe in one's work-related capabilities and ability to control 
  Perseverance () — A tendency to exhibit determination and resolve to perform or complete tasks in 
  Leadership Orientation () — A tendency to lead, take charge, offer opinions, and provide direction at work.
  Humility () — A tendency to be modest and humble when interacting with others at work.
  Sincerity () — A tendency to be genuine and sincere in interactions with others at work, withou
  Empathy () — A tendency to show concern for others and be sensitive to others' needs and feel
  Cooperation () — A tendency to be pleasant, helpful, and willing to assist others at work.
  Optimism () — A tendency to exhibit a positive attitude and positive emotions at work, even un
  Stress Tolerance () — A tendency to cope and function effectively in stressful situations at work.
  Self-Control () — A tendency to remain calm and composed and to manage emotions effectively in res

--- TRANSFERABLE SKILLS ---
  Judgment and Decision Making (imp:3.88 lvl:3.88) — Considering the relative costs and benefits of potential actions to choose the m
  Social Perceptiveness (imp:3.25 lvl:3.00) — Being aware of others' reactions and understanding why they react as they do.
  Complex Problem Solving (imp:3.25 lvl:3.12) — Identifying complex problems and reviewing related information to develop and ev
  Time Management (imp:3.12 lvl:3.25) — Managing one's own time and the time of others.
  Service Orientation (imp:3.00 lvl:3.50) — Actively looking for ways to help people.
  Coordination (imp:2.88 lvl:3.00) — Adjusting actions in relation to others' actions.
  Persuasion (imp:2.88 lvl:3.00) — Persuading others to change their minds or behavior.
  Negotiation (imp:2.88 lvl:3.00) — Bringing others together and trying to reconcile differences.
  Instructing (imp:2.88 lvl:2.75) — Teaching others how to do something.
  Systems Analysis (imp:2.62 lvl:2.38) — Determining how a system should work and how changes in conditions, operations, 
  Management of Personnel Resources (imp:2.62 lvl:2.88) — Motivating, developing, and directing people as they work, identifying the best 
  Systems Evaluation (imp:2.25 lvl:2.25) — Identifying measures or indicators of system performance and the actions needed 
  Management of Financial Resources (imp:2.12 lvl:1.25) — Determining how money will be spent to get the work done, and accounting for the
  Management of Material Resources (imp:2.00 lvl:1.12) — Obtaining and seeing to the appropriate use of equipment, facilities, and materi
  Technology Design (imp:1.88 lvl:0.88) — Generating or adapting equipment and technology to serve user needs.
  Operations Monitoring (imp:1.88 lvl:0.88) — Watching gauges, dials, or other indicators to make sure a machine is working pr
  Operations Analysis (imp:1.75 lvl:1.38) — Analyzing needs and product requirements to create a design.
  Programming (imp:1.62 lvl:0.88) — Writing computer programs for various purposes.
  Quality Control Analysis (imp:1.50 lvl:0.62) — Conducting tests and inspections of products, services, or processes to evaluate
  Operation and Control (imp:1.25 lvl:0.38) — Controlling operations of equipment or systems.
  Equipment Selection (imp:1.00) — Determining the kind of tools and equipment needed to do a job.
  Installation (imp:1.00) — Installing equipment, machines, wiring, or programs to meet specifications.
  Equipment Maintenance (imp:1.00) — Performing routine maintenance on equipment and determining when and what kind o
  Troubleshooting (imp:1.00) — Determining causes of operating errors and deciding what to do about it.
  Repairing (imp:1.00) — Repairing machines or systems using the needed tools.

--- NATIONAL WAGES ---
  total_employment : 274,330
  annual_median    : $76,690
  annual_pct10     : $39,430
  annual_pct25     : $52,730
  annual_pct75     : $104,080
  annual_pct90     : $153,180
  annual_mean      : $87,790
  hourly_median    : $36.87

--- GEOGRAPHIC DISPERSION ---
  highest_state    : Massachusetts ($101,600)
  lowest_state     : Puerto Rico ($35,730)
  dispersion_ratio : 2.844x

--- TOP STATES BY WAGE (54 total) ---
  Finance and Insurance                    emp:  230,620  median: $  76,210
  Management of Companies and Enterprises  emp:   12,320  median: $  79,570
  Retail Trade                             emp:   12,290  median: $ 103,260
  Federal, State, and Local Government, excluding State and Local Government Schools and Hospitals and the U.S. Postal Service (OEWS Designation) emp:    5,880  median: $  81,330
  Professional, Scientific, and Technical Services emp:    4,300  median: $  62,970
  Real Estate and Rental and Leasing       emp:    3,350  median: $  84,090
  Educational Services                     emp:    2,130  median: $  54,430
  Administrative and Support and Waste Management and Remediation Services emp:    1,220  median: $  64,960
  Construction                             emp:      590  median: $  71,770
  Other Services (except Public Administration) emp:      560  median: $  77,140

--- TOP INDUSTRIES BY EMPLOYMENT (13 total) ---
  Finance and Insurance                    emp:  230,620  median: $  76,210
  Management of Companies and Enterprises  emp:   12,320  median: $  79,570
  Retail Trade                             emp:   12,290  median: $ 103,260
  Federal, State, and Local Government, excluding State and Local Government Schools and Hospitals and the U.S. Postal Service (OEWS Designation) emp:    5,880  median: $  81,330
  Professional, Scientific, and Technical Services emp:    4,300  median: $  62,970
  Real Estate and Rental and Leasing       emp:    3,350  median: $  84,090
  Educational Services                     emp:    2,130  median: $  54,430
  Administrative and Support and Waste Management and Remediation Services emp:    1,220  median: $  64,960
  Construction                             emp:      590  median: $  71,770
  Other Services (except Public Administration) emp:      560  median: $  77,140

exact_match_status : found
matched_title      : Loan officer
match_score        : 0.9600
wikidata_qid       : Q6663463
word_count         : 1,227
wikipedia_url      : https://en.wikipedia.org/wiki/Loan_officer
license            : CC BY-SA 4.0
fetched_at         : 2026-06-02T20:17:57.150723Z

--- WIKIPEDIA FULL TEXT ---
Loan officers evaluate, authorize, or recommend approval of loan applications for people and businesses.
Most loan officers are employed by commercial banks, credit unions, mortgage companies, and related financial institutions. Mortgage loan officers must be licensed.


== Duties ==
Loan officers typically do the following:

Contact companies or people to ask if they need a loan
Meet with loan applicants to gather personal information and answer questions
Explain different types of loans and the terms of each type to applicants
Obtain, verify, and analyze the applicant's financial information, such as the credit rating and income level
Review loan agreements to ensure that they comply with federal and state regulations
Approve loan applications or refer them to management for a decision
Loan officers use a process called underwriting to assess whether applicants qualify for loans. After collecting and verifying all the required financial documents, the loan officer evaluates the information they obtain to determine the applicant's need for a loan and ability to pay back the loan. Most firms use underwriting software, which produces a recommendation for the loan based on the applicant's financial status. After the underwriting software produces a recommendation, loan officers review the output of the software and consider any additional information to make a final decision.
The work of loan officers has sizable customer-service and sales components. Loan officers often answer questions and guide customers through the application process. In addition, many loan officers must market the products and services of their lending institution and actively solicit new business.


== Types of loan officers ==
Commercial loan officers specialize in loans to businesses, which often use the loans to buy supplies and upgrade or expand operations. Commercial loans frequently are larger and more complicated than other types of loans. Because companies have such complex financial situations and statements, commercial loans usually require human judgment in addition to the analysis by underwriting software. Furthermore, some commercial loans are so large that no single bank will provide the entire amount requested. In such cases, loan officers may have to work with multiple banks to put together a package of loans.
Consumer loan officers specialize in loans to people. Consumers take out loans for many reasons, such as buying a car or paying college tuition. For some simple consumer loans, the underwriting process is fully automated. However, the loan officer is still needed to guide applicants through the process and to handle cases with unusual circumstances. Some institutions—usually small banks and credit unions—do not use underwriting software and instead rely on loan officers to complete the underwriting process manually.
Mortgage loan officers specialize in loans used to buy real estate (property and buildings), which are called mortgage loans. Mortgage loan officers work on loans for both residential and commercial properties. Often, mortgage loan officers must seek out clients, which requires developing relationships with real estate companies and other sources that can refer prospective applicants.
Within these three fields, some loan officers specialize in a particular part of the loan process:
Loan collection officers contact borrowers who fail to make their loan payments on time. They work with borrowers to help them find a way to keep paying off the loan. If the borrower continues to miss payments, loan officers start the process of taking away what the borrower used to secure the loan (called "collateral")—often a home or car—and selling it to repay the loan.
Loan underwriters specialize in evaluating whether a client is creditworthy. They collect, verify, and evaluate the client's financial information provided on their loan applications and then use loan underwriting software to produce recommendations.


== Requirements ==
Most loan officers need a bachelor's degree and receive on-the-job training. Mortgage loan officers must be licensed.


=== Education ===
Loan officers typically need a bachelor's degree, usually in a field such as business or finance. Because commercial loan officers analyze the finances of businesses applying for credit, they need to understand general business accounting, including how to read financial statements.
Some job seekers may be able to enter the occupation without a bachelor's degree if they have related work experience, such as experience in sales, customer service, or banking.
Once hired, loan officers usually receive some on-the-job training. This may be a combination of formal, company-sponsored training and informal training during the first few months on the job.


=== Licenses, certifications, and registrations ===
Mortgage loan officers in the United States must have a Mortgage Loan Originator (MLO) license. To become licensed, they must complete at least 20 hours of coursework, pass an exam, and submit to background and credit checks. Licenses must be renewed annually, and individual states may have additional requirements.
Several banking associations, including the American Bankers Association and the Mortgage Bankers Association, as well as a number of schools, offer courses, training programs, or certifications for loan officers. Although not required, certification shows dedication and expertise and thus may enhance a candidate's employment opportunities.


== Work environment ==
In the United States, loan officers held about 354,800 jobs in 2022. The largest employers of loan officers were as follows:

Credit intermediation and related activities - 82%
Management of companies and enterprises - 4%
Automobile dealers - 3%
The credit intermediation industry includes commercial banks, savings institutions, and mortgage companies.
Loan officers who specialize in consumer loans usually work in offices. Mortgage and commercial loan officers may work outside the office and meet with clients at their homes or businesses.


== Pay ==
The median annual wage for loan officers in the United States was $65,740 in May 2022. The lowest 10 percent earned less than $34,920, and the highest 10 percent earned more than $138,580.
In May 2022, the median annual wages for loan officers in the top industries in which they worked were as follows:

Automobile dealers - $92,230
Management of companies and enterprises - $76,870
Credit intermediation and related activities - $64,390
The form of compensation varies widely by employer. Some loan officers are paid a flat salary; others are paid on commission. Those on commission usually are paid a base salary plus a commission for the loans they originate. Loan officers also may receive extra commission or bonuses based on the number of loans they originate or how well the loans perform.


== Job outlook ==
In the United States, employment of loan officers is projected to grow three percent from 2022 to 2032, about as fast as the average for all occupations. Although the demand for loan officers will increase as the overall economy grows, the decline of bank branches and the increased use of productivity-enhancing technology in loan processing are expected to slow employment growth.
Increased demand for loan officers is expected as both businesses and individuals seek credit to finance commercial investments and personal spending. Loan officers will be needed to evaluate the creditworthiness of applicants and determine the likelihood that loans will be paid back in full and on time.
About 25,300 openings for loan officers are projected each year, on average, over the decade. Many of those openings are expected to result from the need to replace workers who transfer to different occupations or exit the labor force, such as to retire.


== See also ==
Loan
Loan origination
Mortgage broker
Pre-qualification (lending)


== References ==
 This article incorporates public domain material f

--- SEMANTIC NEIGHBORS (5) ---

  Title: Gambler's fallacy (similarity: 0.2667)
  URL: https://en.wikipedia.org/wiki/Gambler's_fallacy
  QID: Q839726
  Extract: The gambler's fallacy, also known as the Monte Carlo fallacy or the fallacy of the maturity of chances, is the belief that an independent and equally probable outcome which happened less frequently than expected is more likely to happen in the future. The fallacy is commonly associated with gambling

  Title: Loan origination (similarity: 0.4828)
  URL: https://en.wikipedia.org/wiki/Loan_origination
  QID: Q6663465
  Extract: Loan origination is the process by which a borrower applies for a new loan, and a lender processes that application. Origination generally includes all the steps from taking a loan application up to disbursal of funds. For mortgages, there is a specific mortgage origination process. Loan servicing c

  Title: PNC Financial Services (similarity: 0.4000)
  URL: https://en.wikipedia.org/wiki/PNC_Financial_Services
  QID: Q38928
  Extract: The PNC Financial Services Group, Inc. is an American bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 27 states and the District of Columbia, with 2,629 branches and 9,523 ATMs. PNC Bank is one of the largest ba

  Title: CBRE Group (similarity: 0.0870)
  URL: https://en.wikipedia.org/wiki/CBRE_Group
  QID: Q1023013
  Extract: CBRE Group, Inc. is an American commercial real estate services and investment firm, with corporate headquarters in Dallas, Texas, and global financial headquarters at Lever House in Midtown Manhattan. It is the world's largest commercial real estate services and investment firm based on 2022 revenu

  Title: Coldwell Banker (similarity: 0.3571)
  URL: https://en.wikipedia.org/wiki/Coldwell_Banker
  QID: Q738853
  Extract: Coldwell Banker LLC is an American real estate franchise owned by Compass, Inc., with headquarters in Madison, New Jersey. It was founded in 1906 in San Francisco, and has approximately 3000 offices in 49 countries and territories. It publishes an annual house price guide, Home Listing Report. The c

model_pass1          : claude-sonnet-4-20250514
model_pass2          : claude-haiku-4-5-20251001
inference_confidence : high
confidence_notes     : Strong confidence supported by comprehensive O*NET data, clear BLS wage statistics, and direct Wikipedia match. Rich task descriptions and detailed skill profiles provide robust foundation for all inferences.
inferred_at          : 2026-06-03T13:40:37.893803+00:00
tokens_input         : 4,489
tokens_output        : 4,123
cost_usd             : $0.043940
wikipedia_used       : True
wikipedia_title      : Loan officer
wikipedia_note       : Wikipedia confirms the core function of evaluating, authorizing, or recommending approval of loan applications. The semantic neighbors include loan origination processes and financial services companies, providing relevant industry context.

--- PROSE FIELDS ---

ROLE SUMMARY:
Loan Officers evaluate, authorize, or recommend approval of commercial, real estate, or credit loans while advising borrowers on financial status and payment methods. They serve as financial intermediaries who assess creditworthiness, explain loan products, and ensure compliance with lending standards. This role encompasses mortgage loan officers, collection analysts, loan servicing officers, underwriters, and payday loan officers.

DAY IN THE LIFE:
Loan officers begin their day by meeting with applicants to gather information for loan applications and answer process-related questions. They review loan agreements for completeness and accuracy according to policy, then obtain and compile credit histories and financial statements from applicants. Throughout the day, they approve loans within specified limits or refer larger applications to management, while submitting applications to credit analysts for verification. They also market bank products to individuals and firms, analyze potential loan markets to develop referral networks, and stay current with new financial services and products.

WHO THRIVES:
Successful loan officers possess strong conventional and enterprising tendencies, excelling in structured environments while building business relationships. They demonstrate exceptional dependability and attention to detail, as accuracy in financial evaluation is critical. Strong communicators who can establish and maintain interpersonal relationships thrive, as the role requires extensive client interaction and the ability to explain complex financial concepts clearly. Those with high integrity and service orientation succeed, as they must balance institutional risk management with customer needs while maintaining ethical standards.

CAREER ENTRY:
Most loan officers enter with a bachelor's degree (68.7% of practitioners), though some college coursework (12.8%) or an associate's degree (11.2%) can suffice. Strong backgrounds in economics, accounting, or business are valuable, along with customer service experience. Entry-level positions often involve on-the-job training in banking regulations, loan products, and institutional procedures.

CAREER TRAJECTORY:
Loan officers can advance to senior lending positions, branch management, or specialized roles like commercial relationship managers or loan underwriters. Career progression often leads to financial management positions, with opportunities to become credit analysts, financial managers, or move into securities and investment advisory roles. Some develop expertise in specific loan types or markets, becoming specialists in commercial, agricultural, or mortgage lending.

MARKET INTELLIGENCE:
With 274,330 employed nationwide, loan officers earn a median annual wage of $76,690 according to BLS OEWS May 2025, ranging from $39,430 to $153,180 (10th-90th percentiles). Geographic variation is significant, with Massachusetts offering the highest wages at $101,600 compared to Puerto Rico's $35,730 (2.84x ratio). The finance and insurance sector employs 230,620 professionals, representing the vast majority of positions, followed by management companies and retail trade. Strong employment concentration in banking centers and metropolitan areas drives regional wage premiums.

AUTOMATION OUTLOOK:
Loan officers face moderate automation risk as technology streamlines information gathering and initial screening processes. However, their core activities of establishing interpersonal relationships, evaluating complex financial situations, and making nuanced credit decisions require human judgment that resists full automation. The emphasis on customer interaction and relationship building provides protection against technological displacement.

--- REASONED EDGES ---
  [career_pathway] Credit Analysts (13-2041.00) — confidence:high
    reasoning: Loan officers regularly submit applications to credit analysts and share overlapping skills in analyzing financial information and evaluating creditworthiness.
    data: Submit applications to credit analysts for verification
    data: Analyzing Data or Information (imp:4.3, lvl:4.7)
    data: Economics and Accounting knowledge overlap
  [career_pathway] Financial Managers (11-3031.00) — confidence:high
    reasoning: Natural progression path as loan officers refer applications outside limits to management and develop expertise in financial decision-making.
    data: refer loan applications outside those limits to management
    data: Making Decisions and Solving Problems (imp:4.1)
    data: Administration and Management knowledge
  [skill_overlap] Personal Financial Advisors (13-2052.00) — confidence:high
    reasoning: Both roles require strong customer service skills, financial product knowledge, and ability to explain complex financial concepts to clients.
    data: Customer and Personal Service (imp:4.7, lvl:5.6)
    data: Explain to customers different types of loans and credit options
    data: Service Orientation transferable skill
  [career_pathway] Loan Interviewers and Clerks (43-4131.00) — confidence:high
    reasoning: Entry-level pathway sharing core tasks of meeting with applicants and gathering loan application information.
    data: Meet with applicants to obtain information for loan applications
    data: Interview clients to gather financial information
    data: Getting Information work activity
  [riasec_cluster] Securities, Commodities, and Financial Services Sales Agents (41-3031.00) — confidence:medium
    reasoning: Both roles emphasize conventional and enterprising characteristics with focus on financial products and customer relationship building.
    data: C:6.08, E:4.98 RIASEC profile
    data: Market bank products to individuals and firms
    data: Sales and Marketing knowledge

--- NORMALIZER SIGNALS ---
  match_keywords   : ['loan officer', 'lending officer', 'mortgage officer', 'commercial lender', 'credit officer', 'loan specialist', 'loan underwriter', 'loan processor']
  exclude_keywords : ['loan interviewer', 'loan clerk', 'credit counselor', 'debt collector', 'financial advisor']
  title_patterns   : ['*loan officer*', '*lending officer*', '*mortgage*officer*', '*commercial*lender*', '*loan*specialist*']
  common_variations: ['loan officer', 'lending officer', 'mortgage loan officer', 'commercial loan officer', 'consumer loan officer', 'business loan officer', 'agricultural loan officer', 'loan underwriter']

total_terms    : 40
top_words      : ['loan', 'financial', 'officers', 'others', 'tendency', 'loans', 'equipment', 'credit', 'services', 'mortgage', 'applications', 'management', 'principles', 'commercial', 'products', 'includes', 'applicants', 'needs', 'clients', 'control']
source_layers  : onet_tasks | onet_dimensions | dwas | wikipedia | inference

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──────────────────────────────────────────────────────────────────────────────────────────
loan                       96  0.02803  wikipedia            wikipedia:72%  inference:20%  onet_tasks:8%
financial                  50  0.01460  dwas                 dwas:34%  wikipedia:22%  inference:20%
officers                   50  0.01460  wikipedia            wikipedia:80%  inference:20%
others                     42  0.01226  onet_dimensions      onet_dimensions:90%  dwas:7%  wikipedia:2%
tendency                   42  0.01226  onet_dimensions      onet_dimensions:100%
loans                      27  0.00788  wikipedia            wikipedia:74%  onet_tasks:19%  inference:7%
equipment                  23  0.00671  onet_dimensions      onet_dimensions:100%
credit                     22  0.00642  wikipedia            wikipedia:41%  onet_tasks:36%  inference:23%
services                   19  0.00555  onet_dimensions      onet_dimensions:32%  wikipedia:32%  onet_tasks:16%
mortgage                   19  0.00555  wikipedia            wikipedia:84%  inference:11%  onet_tasks:5%
applications               16  0.00467  onet_tasks           onet_tasks:25%  onet_dimensions:25%  inference:25%
management                 16  0.00467  onet_dimensions      onet_dimensions:44%  inference:31%  wikipedia:19%
principles                 16  0.00467  onet_dimensions      onet_dimensions:100%
commercial                 15  0.00438  wikipedia            wikipedia:80%  inference:20%
products                   14  0.00409  onet_dimensions      onet_dimensions:36%  inference:29%  onet_tasks:14%
includes                   14  0.00409  onet_dimensions      onet_dimensions:86%  wikipedia:14%
applicants                 12  0.00350  wikipedia            wikipedia:50%  onet_tasks:33%  inference:17%
needs                      12  0.00350  onet_dimensions      onet_dimensions:67%  onet_tasks:25%  inference:8%
clients                    12  0.00350  dwas                 dwas:50%  onet_tasks:25%  wikipedia:17%
control                    12  0.00350  onet_dimensions      onet_dimensions:100%
objects                    12  0.00350  onet_dimensions      onet_dimensions:100%
activities                 12  0.00350  onet_dimensions      onet_dimensions:75%  wikipedia:17%  inference:8%
customers                  11  0.00321  onet_tasks           onet_tasks:36%  onet_dimensions:27%  dwas:27%
standards                  11  0.00321  onet_dimensions      onet_dimensions:73%  inference:18%  onet_tasks:9%
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orientation                10  0.00292  onet_dimensions      onet_dimensions:90%  inference:10%
companies                  10  0.00292  wikipedia            wikipedia:80%  inference:20%
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personal                    9  0.00263  onet_dimensions      onet_dimensions:67%  wikipedia:22%  onet_tasks:11%
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software                    9  0.00263  wikipedia            wikipedia:67%  onet_dimensions:33%
events                      9  0.00263  onet_dimensions      onet_dimensions:89%  dwas:11%