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Loan Officer

Loan Officer profiles score highest on Organizing and Law-Abiding. This page covers what the work involves, what the trait profile looks like, what it pays, and where the fit tends to break.

Score your fit for this role See the trait profile

Median pay: $76,690per year, U.S. BLS 2025
Entry education: Bachelor's degreetypical for the occupation

SOURCE · O*NET 13-2072.00 and U.S. Bureau of Labor Statistics. Figures are national and vary widely by state and setting.

What the work involves

Evaluate, authorize, or recommend approval of commercial, real estate, or credit loans. Advise borrowers on financial status and payment methods. Includes mortgage loan officers and agents, collection analysts, loan servicing officers, loan underwriters, and payday loan officers.

Skills rated most important

Active Listening75

Speaking75

Judgment and Decision Making72

Reading Comprehension72

Critical Thinking69

Work context

Indoors, Environmentally Controlled100

Face-to-Face Discussions with Individuals and Within Teams97

Contact With Others96

Spend Time Sitting90

Indoors, Not Environmentally Controlled29

Spend Time Standing29

Spend Time Walking or Running19

Spend Time Bending or Twisting Your Body13

Spend Time Keeping or Regaining Balance4

Spend Time Kneeling, Crouching, Stooping, or Crawling1

Spend Time Climbing Ladders, Scaffolds, or Poles0

O*NET importance and frequency ratings, 0–100.

The trait profile

Where Loan Officer profiles sit on the eleven Haliscope traits, derived from O*NET’s published interest and work-style data.

Organizing84

Law-Abiding69

Safety-Seeking66

Influencing65

Persevering59

Harmonizing56

Helping44

Exploring33

Analyzing23

Operating9

Creating2

Who it fits, and who it doesn’t

Strong signals

High Influencing. Measures your drive to lead, persuade, and shape outcomes. High scorers are confident communicators who naturally take charge and direct others.
High Analyzing. Measures your drive to understand systems and solve problems. High scorers are knowledge-seeking, strategic thinkers who enjoy investigating and finding solutions.
High Law-Abiding. Measures your commitment to ethics, rules, and fairness. High scorers value honesty, follow procedures, and prefer environments with clear moral guidelines.

Friction points

Low Influencing. Measures your drive to lead, persuade, and shape outcomes. High scorers are confident communicators who naturally take charge and direct others.
Low Analyzing. Measures your drive to understand systems and solve problems. High scorers are knowledge-seeking, strategic thinkers who enjoy investigating and finding solutions.
Low Law-Abiding. Measures your commitment to ethics, rules, and fairness. High scorers value honesty, follow procedures, and prefer environments with clear moral guidelines.

These are what the occupation’s profile says, not a hiring criterion. Haliscope is not validated for hiring or screening, and none of these is disqualifying — they are where a fit most often breaks.

Getting in

Entry education: Bachelor's degree.

Most of these occupations require a four-year bachelor's degree, but some do not.

A considerable amount of work-related skill, knowledge, or experience is needed for these occupations. For example, an accountant must complete four years of college and work for several years in accounting to be considered qualified.

O*NET Job Zone descriptions, U.S. Department of Labor.

Exposure to AI

How much of this work AI can already do, and how much AI tools help the people doing it, is scored task by task in the AI Risk Index.

Will AI replace Loan Officer?

Is this profile yours?

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