Job Duties Custom List 13-2072.00 — Loan Officers

Analyze potential loan markets and develop referral networks to locate prospects for loans.

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Closely Related Tasks	All Related Tasks	Job Zone	Code	Occupation
2	5	4	13-1161.00	Market Research Analysts and Marketing Specialists Bright Outlook
2	3	3	13-1022.00	Wholesale and Retail Buyers, Except Farm Products
2	2	4	13-2023.00	Appraisers and Assessors of Real Estate
1	3	4	13-2051.00	Financial and Investment Analysts
1	2	5	19-3011.01	Environmental Economists
1	1	4	13-2041.00	Credit Analysts
1	1	4	41-1012.00	First-Line Supervisors of Non-Retail Sales Workers
1	1	4	13-1023.00	Purchasing Agents, Except Wholesale, Retail, and Farm Products
1	1	4	13-2052.00	Personal Financial Advisors
1	1	4	41-3031.00	Securities, Commodities, and Financial Services Sales Agents

Job Duties: Market Research Analysts and Marketing Specialists

Forecast and track marketing and sales trends, analyzing collected data.
Gather data on competitors and analyze their prices, sales, and method of marketing and distribution.

Collect and analyze data on customer demographics, preferences, needs, and buying habits to identify potential markets and factors affecting product demand.
Conduct research on consumer opinions and marketing strategies, collaborating with marketing professionals, statisticians, pollsters, and other professionals.
Monitor industry statistics and follow trends in trade literature.

Prepare reports of findings, illustrating data graphically and translating complex findings into written text.
Measure and assess customer and employee satisfaction.
Devise and evaluate methods and procedures for collecting data, such as surveys, opinion polls, or questionnaires, or arrange to obtain existing data.
Measure the effectiveness of marketing, advertising, and communications programs and strategies.
Seek and provide information to help companies determine their position in the marketplace.
Attend staff conferences to provide management with information and proposals concerning the promotion, distribution, design, and pricing of company products or services.
Direct trained survey interviewers.
Develop and implement procedures for identifying advertising needs.
Forecast and track marketing and sales trends, analyzing collected data.
Gather data on competitors and analyze their prices, sales, and method of marketing and distribution.
Collect and analyze data on customer demographics, preferences, needs, and buying habits to identify potential markets and factors affecting product demand.
Conduct research on consumer opinions and marketing strategies, collaborating with marketing professionals, statisticians, pollsters, and other professionals.
Monitor industry statistics and follow trends in trade literature.

Job Duties: Wholesale and Retail Buyers, Except Farm Products

Monitor and analyze sales records, trends, or economic conditions to anticipate consumer buying patterns, company sales, and needed inventory.
Monitor competitors' sales activities by following their advertisements in newspapers or other media.

Monitor consumer preferences or environmental trends to determine the best way to introduce new green products.

Buy merchandise or commodities for resale to wholesale or retail consumers.
Negotiate prices, discount terms, or transportation arrangements with suppliers.
Examine, select, order, or purchase merchandise consistent with quality, quantity, specification requirements, or other factors, such as environmental soundness.
Recommend mark-up rates, mark-down rates, or merchandise selling prices.
Obtain information about customer needs or preferences by conferring with sales or purchasing personnel.
Authorize payment of invoices or return of merchandise.
Collaborate with vendors to obtain or develop desired products.
Inspect merchandise or products to determine quality, value, or yield.
Conduct sales meetings to introduce new merchandise.
Consult with store or merchandise managers about budgets or goods to be purchased.
Provide clerks with information to print on price tags, such as price, mark-ups or mark-downs, manufacturer number, season code, or style number.
Train or supervise sales or clerical staff.
Determine which products should be featured in advertising, the advertising medium to be used, or when the ads should be run.
Analyze environmental aspects of competing merchandise when making buying decisions.
Compare transportation options to determine the most energy-efficient options.
Develop strategies to advertise green products or merchandise to consumers.
Identify opportunities to buy green commodities, such as alternative energy, water, or carbon-neutral products for resale to consumers.
Monitor and analyze sales records, trends, or economic conditions to anticipate consumer buying patterns, company sales, and needed inventory.
Monitor competitors' sales activities by following their advertisements in newspapers or other media.
Monitor consumer preferences or environmental trends to determine the best way to introduce new green products.

Job Duties: Appraisers and Assessors of Real Estate

Collect and analyze relevant data to identify real estate market trends.
Analyze trends in sales prices, construction costs, and rents, to assess property values or determine the accuracy of assessments.

Compute final estimation of property values, taking into account such factors as depreciation, replacement costs, value comparisons of similar properties, and income potential.
Prepare written reports that estimate property values, outline methods by which the estimations were made, and meet appraisal standards.
Inspect new construction and major improvements to existing structures to determine values.
Prepare and maintain current data on each parcel assessed, including maps of boundaries, inventories of land and structures, property characteristics, and any applicable exemptions.
Explain assessed values to property owners and defend appealed assessments at public hearings.
Identify the ownership of each piece of taxable property.
Inspect properties, considering factors such as market value, location, and building or replacement costs to determine appraisal value.
Complete and maintain assessment rolls that show the assessed values and status of all property in a municipality.
Review information about transfers of property to ensure its accuracy, checking basic information on buyers, sellers, and sales prices and making corrections as necessary.
Explain real and personal property taxes to property owners.
Conduct regular reviews of property within jurisdictions to determine changes in property due to construction or demolition.
Establish uniform and equitable systems for assessing all classes and kinds of property.
Examine income records and operating costs of income properties.
Evaluate land and neighborhoods where properties are situated, considering locations and trends or impending changes that could influence future values.
Maintain familiarity with aspects of local real estate markets.
Search public records for transactions such as sales, leases, and assessments.
Check building codes and zoning bylaws to determine any effects on the properties being appraised.
Verify legal descriptions of properties by comparing them to county records.
Interview persons familiar with properties and immediate surroundings, such as contractors, home owners, and realtors, to obtain pertinent information.
Photograph interiors and exteriors of properties to assist in estimating property value, substantiate findings, and complete appraisal reports.
Obtain county land values and sales information about nearby properties to aid in establishment of property values.
Examine the type and location of nearby services, such as shopping centers, schools, parks, and other neighborhood features, to evaluate their impact on property values.
Estimate building replacement costs, using building valuation manuals and professional cost estimators.
Draw land diagrams to be used in appraisal reports to support findings.
Testify in court as to the value of a piece of real estate property.
Calculate tax bills for properties by multiplying assessed values by jurisdiction tax rates.
Approve applications for property tax exemptions or deductions.
Determine taxability of properties, using methods such as field inspection, structural measurement, calculation, sales analysis, market trend studies, and income and expense analysis.
Collect and analyze relevant data to identify real estate market trends.
Analyze trends in sales prices, construction costs, and rents, to assess property values or determine the accuracy of assessments.

Job Duties: Financial and Investment Analysts

Evaluate capital needs of clients and assess market conditions to inform structuring of financial packages.

Monitor developments in the fields of industrial technology, business, finance, and economic theory.
Monitor fundamental economic, industrial, and corporate developments by analyzing information from financial publications and services, investment banking firms, government agencies, trade publications, company sources, or personal interviews.

Advise clients on aspects of capitalization, such as amounts, sources, or timing.
Analyze financial or operational performance of companies facing financial difficulties to identify or recommend remedies.
Assess companies as investments for clients by examining company facilities.
Collaborate on projects with other professionals, such as lawyers, accountants, or public relations experts.
Collaborate with investment bankers to attract new corporate clients.
Conduct financial analyses related to investments in green construction or green retrofitting projects.
Confer with clients to restructure debt, refinance debt, or raise new debt.
Create client presentations of plan details.
Determine the prices at which securities should be syndicated and offered to the public.
Develop and maintain client relationships.
Draw charts and graphs, using computer spreadsheets, to illustrate technical reports.
Employ financial models to develop solutions to financial problems or to assess the financial or capital impact of transactions.
Evaluate and compare the relative quality of various securities in a given industry.
Inform investment decisions by analyzing financial information to forecast business, industry, or economic conditions.
Interpret data on price, yield, stability, future investment-risk trends, economic influences, and other factors affecting investment programs.
Perform securities valuation or pricing.
Prepare all materials for transactions or execution of deals.
Prepare plans of action for investment, using financial analyses.
Present oral or written reports on general economic trends, individual corporations, and entire industries.
Purchase investments for companies in accordance with company policy.
Recommend investments and investment timing to companies, investment firm staff, or the public.
Specialize in green financial instruments, such as socially responsible mutual funds or exchange-traded funds (ETF) that are comprised of green companies.
Supervise, train, or mentor junior team members.
Evaluate capital needs of clients and assess market conditions to inform structuring of financial packages.
Monitor developments in the fields of industrial technology, business, finance, and economic theory.
Monitor fundamental economic, industrial, and corporate developments by analyzing information from financial publications and services, investment banking firms, government agencies, trade publications, company sources, or personal interviews.

Job Duties: Environmental Economists

Monitor or analyze market and environmental trends.

Write technical documents or academic articles to communicate study results or economic forecasts.

Conduct research on economic and environmental topics, such as alternative fuel use, public and private land use, soil conservation, air and water pollution control, and endangered species protection.
Collect and analyze data to compare the environmental implications of economic policy or practice alternatives.
Assess the costs and benefits of various activities, policies, or regulations that affect the environment or natural resource stocks.
Prepare and deliver presentations to communicate economic and environmental study results, to present policy recommendations, or to raise awareness of environmental consequences.
Develop programs or policy recommendations to achieve environmental goals in cost-effective ways.
Develop economic models, forecasts, or scenarios to predict future economic and environmental outcomes.
Demonstrate or promote the economic benefits of sound environmental regulations.
Conduct research to study the relationships among environmental problems and patterns of economic production and consumption.
Perform complex, dynamic, and integrated mathematical modeling of ecological, environmental, or economic systems.
Write social, legal, or economic impact statements to inform decision makers for natural resource policies, standards, or programs.
Teach courses in environmental economics.
Develop programs or policy recommendations to promote sustainability and sustainable development.
Develop systems for collecting, analyzing, and interpreting environmental and economic data.
Write research proposals and grant applications to obtain private or public funding for environmental and economic studies.
Examine the exhaustibility of natural resources or the long-term costs of environmental rehabilitation.
Develop environmental research project plans, including information on budgets, goals, deliverables, timelines, and resource requirements.
Identify and recommend environmentally friendly business practices.
Interpret indicators to ascertain the overall health of an environment.
Monitor or analyze market and environmental trends.
Write technical documents or academic articles to communicate study results or economic forecasts.

Job Duties: Credit Analysts

Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.

Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
Generate financial ratios, using computer programs, to evaluate customers' financial status.
Prepare reports that include the degree of risk involved in extending credit or lending money.
Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
Consult with customers to resolve complaints and verify financial and credit transactions.
Contact customers to collect payments on delinquent accounts.
Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.
Review individual or commercial customer files to identify and select delinquent accounts for collection.
Confer with credit association and other business representatives to exchange credit information.
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.

Job Duties: First-Line Supervisors of Non-Retail Sales Workers

Analyze details of sales territories to assess their growth potential and to set quotas.

Monitor sales staff performance to ensure that goals are met.
Direct and supervise employees engaged in sales, inventory-taking, reconciling cash receipts, or performing specific services.
Listen to and resolve customer complaints regarding services, products, or personnel.
Keep records pertaining to purchases, sales, and requisitions.
Hire, train, and evaluate personnel.
Confer with company officials to develop methods and procedures to increase sales, expand markets, and promote business.
Plan and prepare work schedules, and assign employees to specific duties.
Attend company meetings to exchange product information and coordinate work activities with other departments.
Visit retailers and sales representatives to promote products and gather information.
Formulate pricing policies on merchandise according to profitability requirements.
Prepare sales and inventory reports for management and budget departments.
Examine products purchased for resale or received for storage to determine product condition.
Examine merchandise to ensure correct pricing and display, and that it functions as advertised.
Inventory stock and reorder when inventories drop to specified levels.
Coordinate sales promotion activities, such as preparing merchandise displays and advertising copy.
Prepare rental or lease agreements, specifying charges and payment procedures for use of machinery, tools, or other items.
Provide staff with assistance in performing difficult or complicated duties.
Analyze details of sales territories to assess their growth potential and to set quotas.

Job Duties: Purchasing Agents, Except Wholesale, Retail, and Farm Products

Monitor changes affecting supply and demand, tracking market conditions, price trends, or futures markets.

Monitor and follow applicable laws and regulations.
Prepare purchase orders, solicit bid proposals, and review requisitions for goods and services.
Negotiate, renegotiate, and administer contracts with suppliers, vendors, and other representatives.
Purchase the highest quality merchandise at the lowest possible price and in correct amounts.
Analyze price proposals, financial reports, and other data and information to determine reasonable prices.
Formulate policies and procedures for bid proposals and procurement of goods and services.
Hire, train, or supervise purchasing clerks, buyers, and expediters.
Maintain and review computerized or manual records of purchased items, costs, deliveries, product performance, and inventories.
Research and evaluate suppliers, based on price, quality, selection, service, support, availability, reliability, production and distribution capabilities, and the supplier's reputation and history.
Confer with staff, users, and vendors to discuss defective or unacceptable goods or services and determine corrective action.
Evaluate and monitor contract performance to ensure compliance with contractual obligations and to determine need for changes.
Monitor shipments to ensure that goods come in on time, and resolve problems related to undelivered goods.
Study sales records and inventory levels of current stock to develop strategic purchasing programs that facilitate employee access to supplies.
Write and review product specifications, maintaining a working technical knowledge of the goods or services to be purchased.
Review catalogs, industry periodicals, directories, trade journals, and Internet sites and consult with other department personnel to locate necessary goods and services.
Interview vendors and visit suppliers' plants and distribution centers to examine and learn about products, services, and prices.
Arrange the payment of duty and freight charges.
Attend meetings, trade shows, conferences, conventions, and seminars to network with people in other purchasing departments.
Monitor changes affecting supply and demand, tracking market conditions, price trends, or futures markets.

Job Duties: Personal Financial Advisors

Monitor financial market trends to ensure that client plans are responsive.

Interview clients to determine their current income, expenses, insurance coverage, tax status, financial objectives, risk tolerance, or other information needed to develop a financial plan.
Recommend to clients strategies in cash management, insurance coverage, investment planning, or other areas to help them achieve their financial goals.
Manage client portfolios, keeping client plans up-to-date.
Implement financial planning recommendations, or refer clients to someone who can assist them with plan implementation.
Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives.
Answer clients' questions about the purposes and details of financial plans and strategies.
Review clients' accounts and plans regularly to determine whether life changes, economic changes, environmental concerns, or financial performance indicate a need for plan reassessment.
Contact clients periodically to determine any changes in their financial status.
Investigate available investment opportunities to determine compatibility with client financial plans.
Explain to clients the personal financial advisor's responsibilities and the types of services to be provided.
Recommend financial products, such as stocks, bonds, mutual funds, or insurance.
Prepare or interpret for clients information, such as investment performance reports, financial document summaries, or income projections.
Guide clients in the gathering of information, such as bank account records, income tax returns, life and disability insurance records, pension plans, or wills.
Recruit and maintain client bases.
Meet with clients' other advisors, such as attorneys, accountants, trust officers, or investment bankers, to fully understand clients' financial goals and circumstances.
Devise debt liquidation plans that include payoff priorities and timelines.
Open accounts for clients, and disburse funds from accounts to creditors as agent for clients.
Recommend environmentally responsible investments, such as cleantech, alternative energy, or conservation technologies, companies, or funds.
Inform clients about tax benefits, government rebates, or other financial benefits of alternative-fuel vehicle purchases or energy-efficient home construction, improvements, or remodeling.
Conduct seminars or workshops on financial planning topics, such as retirement planning, estate planning, or the evaluation of severance packages.
Monitor financial market trends to ensure that client plans are responsive.

Job Duties: Securities, Commodities, and Financial Services Sales Agents

Track and analyze factors that affect price movement, such as trade policies, weather conditions, political developments, or supply and demand changes.

Make bids or offers to buy or sell securities.
Monitor markets or positions.
Agree on buying or selling prices at optimal levels for clients.
Keep accurate records of transactions.
Buy or sell stocks, bonds, commodity futures, foreign currencies, or other securities on behalf of investment dealers.
Complete sales order tickets and submit for processing of client-requested transactions.
Report all positions or trading results.
Interview clients to determine clients' assets, liabilities, cash flow, insurance coverage, tax status, or financial objectives.
Discuss financial options with clients and keep them informed about transactions.
Identify opportunities or develop channels for purchase or sale of securities or commodities.
Develop financial plans, based on analysis of clients' financial status.
Review all securities transactions to ensure accuracy of information and conformance to governing agency regulations.
Devise trading, option, or hedge strategies.
Determine customers' financial services needs and prepare proposals to sell services that address these needs.
Inform other traders, managers, or customers of market conditions, including volume, price, competition, or dynamics.
Offer advice on the purchase or sale of particular securities.
Contact prospective customers to present information and explain available services.
Explain stock market terms or trading practices to clients.
Calculate costs for billings or commissions.
Prepare financial reports to monitor client or corporate finances.
Supply the latest price quotes on any security, as well as information on the activities or financial positions of the corporations issuing these securities.
Supervise support staff and ensure proper execution of contracts.
Relay buy or sell orders to securities exchanges or to firm trading departments.
Evaluate costs and revenue of agreements to determine continued profitability.
Sell services or equipment, such as trusts, investments, or check processing services.
Negotiate prices or contracts for securities or commodities sales or purchases.
Prepare and send requests for price quotations to all companies in a particular market.
Price securities or commodities based on market conditions.
Purchase or sell financial derivatives for customers.
Track and analyze factors that affect price movement, such as trade policies, weather conditions, political developments, or supply and demand changes.