Agentes de Crédito

79% (Alto Risco)

Alto Risco (61-80%): Empregos nesta categoria enfrentam uma ameaça significativa da automação, pois muitas de suas tarefas podem ser facilmente automatizadas usando tecnologias atuais ou de futuro próximo.

Mais informações sobre o que é essa pontuação e como ela é calculada estão disponíveis aqui.

Enquete do usuário

Sentimento

O gráfico a seguir é incluído sempre que há uma quantidade substancial de votos para gerar dados significativos. Essas representações visuais mostram os resultados das enquetes dos usuários ao longo do tempo, fornecendo uma indicação importante das tendências de sentimento.

Salários

Alto salário em relação a outras profissões

Em 2023, o salário anual mediano para 'Loan Officers' foi de $ 69.990, ou $ 33 por hora

'Loan Officers' receberam 45,6% a mais do que o salário médio nacional, que era de $ 48.060

Salários ao longo do tempo

Comentários

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Grant Zabielski 10 months ago

Extremely likely. AI could do every task I do within a loan right now. Not in the future, right now. Every scenario can currently be programmed in with a flow chart. Once AI evolves to generative AI, it’s over. Scenarios won’t even have to be programmed in. AI will be a better loan officer than I have ever been and could ever be, and their customer service will be impeccable.

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Parul (Altamente provável) 1 year ago

I think in this AI World. Mobiles and application loan are more easy to access or operate so thats why our executive filed is likely to be tougher

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JY (Baixo) 2 years ago

Due dilligence is needed, especially prevention of money laundering and terrorism.

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jh 12 months ago

that's what the fraud dept is for

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Ed (Baixo) 2 years ago

Not every loan is clear-cut. A computer can't figure it out.

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Brian L 2 years ago

There will be fewer and fewer loan officers until there won't be any. This process will take years, but there is no doubt that it is a declining role. The next generation of homebuyers doesn't care about working with a person; they prefer apps. Systems will streamline the process of application and verifications of income, deposit, and residence so that very little to nothing needs to be done by humans.

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Chris 3 years ago

Everyone talking about the social aspect of things in the comments as they all have a bias perception. Social interaction may be good for business (which I understand), but from the customer viewpoint, they just want the product and service going through the path of least resistance. No customer wants to socially interact. Robots will give the customer what they want, quicker and with less hassle. Be prepared to adapt.

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MSTE (Altamente provável) 3 years ago

I design and develop loan origination and underwriting systems :)

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G (Sem chance) 3 years ago

There are way too many moving part the life of a loan. People prefer an advisor in such a complex process. Plus, the mortgage industry is a regulatory minefield. The mortgage technology companies that have cropped up in the past 20 years have face lawsuits and have gone out of business. However, technology skills will play an ever greater role in a loan officer's career.

To put this career as highly at risk is unrealistic.

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Brian (Altamente provável) 4 years ago

All you people who believe that mortgages are too complicated to have a robot doing it are in denial. Any logic that you can dream up can be programmed into a computer. As interest rates continue to decrease everyone in the process is having their margins squeezed. That means companies will look for cheaper ways to do things i.e. robots. Robots can handle way more volume than a human as well.

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Paul George (Incerto) 4 years ago

Face to face interaction will always be wanted unless we are looking 100 years into the future where every ones perception of social interaction has been skewed due to social media.

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Max (Sem chance) 4 years ago

Not possible. No way for a robot to perform every aspect of the job. Evaluating the viability of a business plan and the likelihood of the applicants to deliver takes a human like myself.

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Al C. (Incerto) 4 years ago

There is no way for a Mortgage Loan Officer to go away anytime soon. A Mortgage is to complicated to not have an actual person walk some one through the process from start to finish. Automation is great to bring in customers but not to complete the transaction together.

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Joe (Sem chance) 5 years ago

There is a large social aspect associated with the job. In addition, there are a lot of legal and other various parts of the job that are hard to automate.

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Matt (Sem chance) 5 years ago

There is no entry for a mortgage loan officer.

Consumer loan officers like credit card or unsecured debt peddlers might be automated. In a lot of regards they already are.

But if you're going to say that mortgage lending is going away just look at quicken mortgage. Their model is the future.

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