ISCO-08 3312
Credit and loans officers
98.2%
ADI · 16th of 433 · 95% interval 94.4–100.0
An AI agent can at least partly carry out 98.2% of the task time of credit and loans officers, and finish 3.8% alone. The barrier that holds most of the rest back is access to the systems the work runs on.
ADI · partial or full98.2%
16th of 433 · interval 94.4–100.0
ADI3 · full delegation3.8%
90th of 433 · interval 0.0–10.3
ADIs · share of time65.8%
20th of 433 · interval 63.0–68.6
Evidence53
task statements rated by two models and weighted by importance and frequency. World employment: 1.9 million.
Task weight by level
How the tasks rate
L0No meaningful role · 0.0%L1Augmentation · 1.8%L2Partial delegation · 94.5%L3Full delegation · 3.8%
Barriers
What stops the agent
Share of task weight flagged by each barrier; a task can carry several.
53 task statements, heaviest first
| Task statement (O*NET occupation) | Sonnet · Haiku | Barriers | ||||
|---|---|---|---|---|---|---|
| Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.Credit Counselors | 2.8% | L2 | L2L2 | 68% | 1.1 h | Accountability, Trust and care, Access to systems |
| Calculate clients' available monthly income to meet debt obligations.Credit Counselors | 2.8% | L2 | L3L2 | 82% | 35 min | Accountability, Access to systems |
| Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.Credit Counselors | 2.7% | L2 | L3L2 | 70% | 30 min | Accountability, Trust and care |
| Interview clients by telephone or in person to gather financial information.Credit Counselors | 2.7% | L2 | L2L2 | 58% | 48 min | Trust and care, Access to systems |
| Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.Credit Counselors | 2.7% | L2 | L2L2 | 65% | 1.5 h | Accountability, Trust and care, Access to systems |
| Recommend strategies for clients to meet their financial goals, such as borrowing money through loans or loan programs, declaring bankruptcy, making budget adjustments, or enrolling in debt management plans.Credit Counselors | 2.6% | L2 | L2L2 | 62% | 1.0 h | Accountability, Trust and care, Access to systems |
| Prioritize client debt repayment to avoid dire consequences, such as bankruptcy or foreclosure or to reduce overall costs, such as by paying high-interest or short-term loans first.Credit Counselors | 2.6% | L2 | L2L2 | 62% | 1.0 h | Accountability, Trust and care, Access to systems |
| Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.Credit Counselors | 2.5% | L2 | L2L2 | 65% | 45 min | Accountability, Trust and care |
| Prepare written documents to establish contracts with or communicate financial recommendations to clients.Credit Counselors | 2.5% | L2 | L3L2 | 72% | 1.1 h | Accountability, Access to systems |
| Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.Credit Counselors | 2.5% | L2 | L3L2 | 72% | 25 min | Accountability, Access to systems |
| Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.Credit Counselors | 2.4% | L2 | L2L2 | 62% | 30 min | Accountability, Trust and care, Access to systems |
| Estimate time for debt repayment, given amount of debt, interest rates, and available funds.Credit Counselors | 2.3% | L3 | L3L3 | 91% | 15 min | – |
| Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.Loan Officers | 2.3% | L2 | L2L2 | 68% | 1.5 h | Accountability, Access to systems |
| Meet with applicants to obtain information for loan applications and to answer questions about the process.Loan Officers | 2.2% | L2 | L2L2 | 58% | 45 min | Accountability, Trust and care, Access to systems |
| Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans.Credit Counselors | 2.2% | L2 | L2L2 | 55% | 1.3 h | Accountability, Trust and care, Access to systems |
Show the other 38 tasks
| Task statement (O*NET occupation) | Sonnet · Haiku | Barriers | ||||
|---|---|---|---|---|---|---|
| Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention.Credit Counselors | 2.1% | L2 | L2L2 | 55% | 1.0 h | Accountability, Trust and care, Access to systems |
| Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.Loan Officers | 2.1% | L2 | L3L2 | 70% | 30 min | Accountability, Trust and care |
| Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit.Credit Counselors | 2.1% | L2 | L2L3 | 78% | 25 min | Trust and care |
| Approve loans within specified limits, and refer loan applications outside those limits to management for approval.Loan Officers | 1.9% | L2 | L2L2 | 70% | 1.0 h | Accountability, Access to systems |
| Disburse funds from client accounts to creditors.Credit Counselors · supplemental task | 1.9% | L2 | L2L2 | 60% | 25 min | Accountability, Access to systems |
| Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.Credit Counselors | 1.9% | L2 | L2L2 | 60% | 1.3 h | Accountability, Trust and care, Access to systems |
| Review and update credit and loan files.Loan Officers | 1.9% | L2 | L2L2 | 62% | 45 min | Accountability, Access to systems |
| Refer clients to social service or community resources for needs beyond those of credit or debt counseling.Credit Counselors | 1.9% | L2 | L2L2 | 60% | 30 min | Trust and care |
| Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.Loan Officers | 1.8% | L2 | L2L3 | 75% | 1.4 h | Access to systems |
| Supervise loan personnel.Loan Officers · supplemental task | 1.8% | L1 | L1L2 | 32% | 1.5 h | Accountability, Trust and care, Access to systems |
| Work with clients to identify their financial goals and to find ways of reaching those goals.Loan Officers | 1.8% | L2 | L2L2 | 50% | 1.0 h | Accountability, Trust and care, Access to systems |
| Submit applications to credit analysts for verification and recommendation.Loan Officers | 1.8% | L2 | L3L2 | 78% | 38 min | Access to systems |
| Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed.Credit Counselors | 1.7% | L2 | L2L2 | 60% | 45 min | Accountability, Trust and care, Access to systems |
| Calculate amount of debt and funds available to plan methods of payoff and to estimate time for debt liquidation.Loan Officers · supplemental task | 1.7% | L2 | L2L3 | 80% | 52 min | Accountability, Access to systems |
| Confer with underwriters to resolve mortgage application problems.Loan Officers · supplemental task | 1.7% | L2 | L2L2 | 58% | 38 min | Trust and care, Access to systems |
| Contact applicants or creditors to resolve questions about applications or to assist with completion of paperwork.Loan Officers · supplemental task | 1.7% | L2 | L2L2 | 62% | 22 min | Trust and care, Access to systems |
| Contact borrowers with delinquent accounts to obtain payment in full or to negotiate repayment plans.Loan Officers · supplemental task | 1.7% | L2 | L2L2 | 58% | 25 min | Accountability, Trust and care, Access to systems |
| Counsel clients on personal and family financial problems, such as excessive spending or borrowing of funds.Loan Officers · supplemental task | 1.7% | L2 | L2L2 | 50% | 52 min | Accountability, Trust and care |
| Assist in selection of financial award candidates using electronic databases to certify loan eligibility.Loan Officers · supplemental task | 1.7% | L2 | L2L2 | 68% | 52 min | Accountability, Access to systems |
| Establish payment priorities according to credit terms and interest rates to reduce clients' overall costs.Loan Officers · supplemental task | 1.7% | L2 | L2L3 | 78% | 42 min | Accountability, Trust and care, Access to systems |
| Inform individuals and groups about the financial assistance available to college or university students.Loan Officers · supplemental task | 1.7% | L2 | L2L2 | 62% | 1.0 h | Trust and care |
| Maintain and review account records, updating and recategorizing them according to status changes.Loan Officers · supplemental task | 1.7% | L2 | L2L2 | 70% | 32 min | Accountability, Access to systems |
| Match individuals' needs and eligibility with available financial aid programs to provide informed recommendations.Loan Officers · supplemental task | 1.7% | L2 | L2L2 | 65% | 1.1 h | Accountability, Access to systems |
| Review accounts to determine write-offs for collection agencies.Loan Officers · supplemental task | 1.7% | L2 | L2L2 | 65% | 45 min | Accountability, Access to systems |
| Authorize or sign mail collection letters.Loan Officers · supplemental task | 1.7% | L2 | L2L2 | 68% | 10 min | Accountability, Access to systems |
| Review billing for accuracy.Loan Officers · supplemental task | 1.7% | L2 | L2L3 | 75% | 30 min | Access to systems |
| Review loan agreements to ensure that they are complete and accurate according to policy.Loan Officers | 1.7% | L2 | L2L3 | 78% | 45 min | Accountability, Access to systems |
| Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions.Credit Counselors | 1.6% | L2 | L3L2 | 68% | 30 min | Accountability, Trust and care |
| Market bank products to individuals and firms, promoting bank services that may meet customers' needs.Loan Officers | 1.6% | L2 | L2L2 | 55% | 1.8 h | Accountability, Trust and care, Access to systems |
| Stay abreast of new types of loans and other financial services and products to better meet customers' needs.Loan Officers | 1.6% | L2 | L2L2 | 75% | 2.5 h | – |
| Compute payment schedules.Loan Officers | 1.5% | L3 | L3L3 | 90% | 18 min | – |
| Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments.Credit Counselors | 1.3% | L2 | L2L2 | 65% | 1.8 h | Accountability, Trust and care, Access to systems |
| Analyze potential loan markets and develop referral networks to locate prospects for loans.Loan Officers | 1.3% | L2 | L2L2 | 60% | 3.0 h | Trust and care, Access to systems |
| Handle customer complaints and take appropriate action to resolve them.Loan Officers | 1.1% | L2 | L2L2 | 58% | 45 min | Accountability, Trust and care, Access to systems |
| Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems.Credit Counselors · supplemental task | 1.1% | L2 | L2L2 | 62% | 52 min | Accountability, Access to systems |
| Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy.Credit Counselors | 1.1% | L2 | L2L2 | 58% | 3.5 h | Trust and care |
| Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.Loan Officers · supplemental task | 1.0% | L2 | L2L2 | 70% | 32 min | Accountability, Access to systems |
| Set credit policies, credit lines, procedures and standards in conjunction with senior managers.Loan Officers · supplemental task | 0.7% | L2 | L2L2 | 45% | 6.0 h | Accountability, Trust and care, Access to systems |
Level: consensus of the two models (the lower level when they disagree). Share: part of the task’s working time an agent could take over. Human time: minutes a competent person needs for one instance, as estimated by the models.
Against other measures
Exposure is not delegation
| Measure | Value | Percentile | Pct |
|---|---|---|---|
| ADI (this index) | 98.2% | 97 | |
| Eloundou et al. (2024), GPT exposure β | 0.602 | 90 | |
| Felten et al. (2021), AI occupational exposure | 1.385 | 98 | |
| Webb (2020), AI patent exposure | 81 | 74 | |
| Eisfeldt et al. (2026), generative AI exposure | 0.418 | 79 | |
| Anthropic Economic Index, observed use | 0.21 | 86 |
Earlier indices measure whether AI can touch a task; ADI measures how much of it an agent can carry out from a goal. – : the source does not cover this occupation.
Same sub-major group (33)
Neighbouring occupations
| Occupation | ADI | % |
|---|---|---|
| Accounting associate professionals 3313 | 100.0 | |
| Statistical, mathematical and related associate professionals 3314 | 97.5 | |
| Insurance representatives 3321 | 97.0 | |
| Medical secretaries 3344 | 96.4 | |
| Office supervisors 3341 | 92.5 | |
| Commercial sales representatives 3322 | 91.8 | |
| Government tax and excise officials 3352 | 91.7 | |
| Business services agents not elsewhere classified 3339 | 91.6 | |
| Securities and finance dealers and brokers 3311 | 91.1 | |
| Legal secretaries 3342 | 90.5 | |
| Buyers 3323 | 89.0 | |
| Administrative and executive secretaries 3343 | 87.5 |
Dashed line: credit and loans officers (98.2%).
Cite this record
Text
Espinal Maya, Cristian, and Santiago Jiménez Londoño. 2026. ADI v2026.1: Agent Delegability Index data, code and MCP server. Zenodo. https://doi.org/10.5281/zenodo.23552918. Record: Credit and loans officers (ISCO-08 3312), https://balamlabs.org/adi/occupations/3312
BibTeX
@misc{espinal2026adidata,
title = {{ADI} v2026.1: Agent Delegability Index data, code and {MCP} server},
author = {Espinal Maya, Cristian and Jim{\'e}nez Londo{\~n}o, Santiago},
year = {2026},
publisher = {Zenodo},
version = {v2026.1},
doi = {10.5281/zenodo.23552918},
url = {https://doi.org/10.5281/zenodo.23552918},
note = {Record: Credit and loans officers (ISCO-08 3312)}
}Machine-readable
The same record as static JSON, with its citation: /adi/v2026.1/isco/3312.json.