Banking Services Workers

How to become a Loan Officer

Official Chinese title (2022 occupational classification): 银行信贷员

Also called: Small Business Loan Officer

Explains and promotes bank loans and handles loan applications.

Main tasks

Explaining the types, terms, interest rates and conditions of loans to borrowers
Understanding borrowers' needs, guiding them through the application form and handling loan applications
Helping assess borrowers' credit ratings based on their finances and other factors
Responding to loan applications, signing contracts with borrowers and, where needed, signing guarantee contracts with guarantors or arranging notarisation
Handling loan payouts and checking how borrowers keep to the contract and run their business
Negotiating early repayment or loan extensions when borrowers ask
Sending repayment notices when loans fall due and pressing for payment
Sending collection notices for overdue loans and recovering principal and interest
Gathering evidence and helping the relevant departments take legal action against borrowers who cannot repay
Helping handle acceptance, discounting and rediscounting of commercial bills

Pay · AI and this job

Median pay in China: CN¥131,200 a year (2025).
Middle half: CN¥87,300 to CN¥189,200. One in ten earn less than CN¥57,600 and one in ten more than CN¥274,300.
This is the figure for the mid group Financial Services Workers, not for this job alone.
National figure: wage prices of enterprise employees from the Ministry of Human Resources and Social Security (MOHRSS) enterprise pay survey. The public sector and the self-employed are not covered.
Guangzhou only: median CN¥156,078 a year (2025), middle half CN¥109,271 to CN¥233,247.
This is the figure for the mid group Financial Services Workers, not for this job alone.
Generative AI could change many tasks in this job, which usually reshapes the work more than it replaces it, by the ILO's global estimate.

Who does this work

The census group Financial Services Workers holds 0.74% of everyone employed in China; 54.3% of its workers are women (2020 Census).
51.7% are under 35, 44.1% are 35 to 54 and 4.2% are 55 or older. The middle age band is 30 to 34.
Census figures for the whole mid group (2020 long-form sample), not for this job alone.

Questions people ask

How much does a Loan Officer earn in China?

Across China, the median pay of enterprise employees is CN¥131,200 a year (Ministry of Human Resources and Social Security (MOHRSS), 2025). The public sector and the self-employed are not covered. It is the figure for the mid group Financial Services Workers. In Guangzhou alone it is CN¥156,078 a year (2025).

Will AI change the work of a Loan Officer?

Generative AI could change many tasks in this job, which usually reshapes the work more than it replaces it, by the ILO's global estimate.

Sources

Ministry of Human Resources and Social Security (MOHRSS): 2025 enterprise pay survey information: wage prices of enterprise employees by occupation mid group, and digital occupations (P10 to P90 annual CNY) (2025 (published 2026-07-08)), retrieved 5 October 2026
Guangzhou Human Resources and Social Security Bureau: Guangzhou 2025 labour market wage prices (P10 to P90 annual CNY by occupation) (2025 (enterprise pay survey)), retrieved 4 October 2026
National Bureau of Statistics of China: China Population Census Yearbook 2020, long-form tables 4-6 and 4-7 (employed by occupation mid group, sex, age) (2020 Census long form (10% sample)), retrieved 4 October 2026
International Labour Organization, Generative AI and Jobs: A Refined Global Index of Occupational Exposure (ILO Working Paper 140, Gmyrek et al.) (ILO Working Paper 140, May 2025, Annex Table A1), CC BY 4.0, retrieved 4 October 2026

Sources: Occupational Classification of the People's Republic of China (2022 edition, public consultation draft), Ministry of Human Resources and Social Security, State Administration for Market Regulation and National Bureau of Statistics; Ministry of Human Resources and Social Security, 2025 enterprise pay survey information; Guangzhou Human Resources and Social Security Bureau, 2025 labour market wage prices; National Bureau of Statistics of China (www.stats.gov.cn), 2020 Population Census yearbook; Ministry of Education, vocational education major profiles (2022 revision) and undergraduate major catalogue (2025); Ministry of Human Resources and Social Security, national vocational qualifications catalogue (2021); O*NET interest scores (CC BY 4.0); ILO global generative AI exposure index (CC BY 4.0). Figures processed by Peernovo. English text, translations and the matching of occupations to ISCO-08, majors, degree fields and qualifications by Peernovo.

Descriptions and tasks are Peernovo's own words, written from the facts in the Occupational Classification of the People's Republic of China (2022 edition). Job titles and work types are the classification's own.

Updated 5 October 2026