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AI Automation Index
Will AI Replace Loan Interviewers and Clerks?
Task-level automation exposure for Loan Interviewers and Clerks: 18 O*NET tasks scored against their work activities, plus the simulator.
E-E-A-T Verified
Developed & audited by Gini Loh Automation Exposure
66%
weighted task index
18 of 18 tasks scored
Median Salary
$50,020 / year
BLS OEWS, May 2025 — this exact occupation
Employment Level
High
164,790 people hold this job — size, not growth
Projected 2025–35
-2.4%
employment change
10,500 openings a year · BLS line item
Pay by state
BLS OEWS publishes 52 state estimates for this occupation. Each is its own survey estimate, not the national median adjusted for local prices.
$35,940 – $77,080
Highest medians
District of Columbia $77,080
Maryland $59,430
Connecticut $58,980
Massachusetts $58,940
New Jersey $58,760
Lowest medians
Puerto Rico $35,940
Mississippi $39,120
Alabama $40,300
West Virginia $42,490
Arkansas $45,140
State figures come from the 43-4131 row in the May 2025 state panel. States where the estimate was suppressed or too small to publish are absent.
What the score is made of
Each task is mapped to its work activities, scored for AI automation potential, and weighted by how important those activities are to the job. These are the components.
Automation potential 66%
Importance-weighted mean of the scored tasks. This is the headline index.
Physical work 0%
Share of weighted tasks in hands-on or machine-operating work activities.
Judgment & influence 28%
Share in analysis, decisions, teaching, directing, advising, or caring for others.
Routine administration 28%
Share in documenting, recording, and administrative activities.
Rewritten by O*NET 0%
Share of weighted tasks O*NET rewrote in a recent update. Reported, not folded into the score.
Consequence of error 33/100
Moderate
O*NET's own rating of how serious an uncorrectable mistake would be here — respondents, not us. Deliberately not in the index: the score measures what AI can do with the task content, and multiplying it by stakes would be our judgment dressed as data.
Constituent Task Mix
18 tasks for this occupation, weighted by work-activity importance. Shares below are of total task weight, not task count.
High exposure (≥ 60% of the task is automatable) 61%
11 tasks
Medium exposure (≥ 35%) 33%
6 tasks
Low exposure (below 35%) 6%
1 tasks
How would you survive?
Move your week away from the high-exposure tasks and toward the ones that need judgment. The simulator recalculates the index as you shift the mix.
Simulate Upskilling →Constituent Tasks
#11292 · Core · 30% automatable
Interview loan applicants to obtain personal and financial data and to assist in completing applications.
interpersonal — Live interviewing is human relational work
Interview employees, customers, or others to collect information.
#11294 · Core · 55% automatable
Answer questions and advise customers regarding loans and transactions.
interpersonal — Account discussions need human relationship and judgment
Discuss account status or activity with customers or patrons.
#11305 · Core · 68% automatable
Submit loan applications with recommendation for underwriting approval.
text generation — Compliance docs drafted; human owns regulatory accuracy
Prepare documentation for contracts, transactions, or regulatory compliance.
#11291 · Core · 85% automatable
Verify and examine information and accuracy of loan application and closing documents.
data analysis — Transactional data verification is rule-based and reliable
Verify accuracy of financial or transactional data.
#11296 · Core · 80% automatable
Record applications for loan and credit, loan information, and disbursements of funds, using computers.
data analysis — Maintain financial records; human reconciles exceptions
Maintain financial or account records.
#11300 · Core · 70% automatable
Check value of customer collateral to be held as loan security.
decision support — Valuation aided; human owns final value judgment
Determine the value of goods or services.
#11295 · Core · 70% automatable
Contact customers by mail, telephone, or in person concerning acceptance or rejection of applications.
text generation — Routine customer notifications largely automatable
Provide notifications to customers or patrons.
#11297 · Core · 80% automatable
Prepare and type loan applications, closing documents, legal documents, letters, forms, government notices, and checks, using computers.
text generation — Routine business correspondence fully draftable by AI
Prepare documentation for contracts, transactions, or regulatory compliance. Prepare business correspondence. Type documents.
#11306 · Core · 55% automatable
Order property insurance or mortgage insurance policies to ensure protection against loss on mortgaged property.
decision support — Coverage arranged via systems; judgment and liability human
Arrange insurance coverage.
#11304 · Core · 35% automatable
Accept payment on accounts.
physical manipulation — Handling cash/payment collection in person
Collect deposits, payments or fees.
#11298 · Core · 55% automatable
Present loan and repayment schedules to customers.
interpersonal — Account discussions need human relationship and judgment
Discuss account status or activity with customers or patrons.
#11293 · Core · 85% automatable
Assemble and compile documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts.
data analysis — Compiling data or documentation is largely automatable
Compile data or documentation.
#11303 · Core · 80% automatable
Schedule and conduct closings of mortgage transactions.
decision support — Calendar scheduling automatable; exceptions need human judgment
Schedule appointments.
#11307 · Core · 78% automatable
Review customer accounts to determine whether payments are made on time and that other loan terms are being followed.
data analysis — Financial data monitoring is digital and AI-analyzable
Monitor financial information.
#11308 · Core · 35% automatable
Establish credit limits and grant extensions of credit on overdue accounts.
interpersonal — Financial negotiation needs mandate and trust
Negotiate financial arrangements.
#11299 · Core · 87% automatable
Calculate, review, and correct errors on interest, principal, payment, and closing costs, using computers or calculators.
data analysis — Financial calculations fully automatable
Calculate financial data. Verify accuracy of financial or transactional data.
#11302 · Core · 80% automatable
File and maintain loan records.
data analysis — Maintain financial records; human reconciles exceptions
Maintain financial or account records.
#11301 · Core · 55% automatable
Contact credit bureaus, employers, and other sources to check applicants' credit and personal references.
information retrieval — Data gathering aided; verification and consent human
Obtain personal or financial information about customers or applicants.
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How this was scored
- 1. Tasks. O*NET task statements for this occupation, from a release whose newest record is dated 08/2026.
- 2. Work activities. Each task maps to 1–5 Detailed Work Activities; each activity belongs to one of 41 Generalized Work Activities that O*NET rates for importance (1–5) in this occupation.
- 3. Automation potential. Every work activity carries one score for how far current AI can perform it end-to-end. Tasks inherit the mean of their activities.
- 4. Weighting. Task weight = 0.35 + 0.65 × (importance − 1)/4, scaled by how often the task is performed and by 0.7 for Supplemental tasks. Importance is the task's own O*NET rating where it exists (18,369 of 18,838 tasks); the rest inherit their work activities' importance. The index is the weighted mean.
Check: across the 910 occupations where O*NET also rates how far machine speed sets the pace, this index moves opposite to it (Spearman ρ = -0.49). The more a job is paced by equipment, the less of its task content AI can address — the relationship you would expect if the scoring is working.
Sources · O*NET 31.0 (task records to 08/2026) · BLS OEWS May 2025 · BLS projections 2025-2035 · rubric v2.1 · tasks for O*NET, not a forecast
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