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45 is the soldier's Career Management Field (CMF). Combined with the following letter, you have the Military Occupational Specialty (MOS) - the soldier's career field. 45k used to be the MOS for Armament Repairer - when the Army reclassifed its MOS structure from 2001 - 2004, this MOS became 91K. So, to hold this MOS, they had to be in prior to 2004 or so.

The '2' indicates a skill level - skill level 2 indicates they held the rank of Sergeant.

The 'O' (not a zero) indicates they have no Special Qualification Identifiers or Additional Skill Identifiers. These identify various skill sets which a soldier possesses... for example, if they were Airborne qualified, they would have a 'P' rather than an 'O'.

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Q: What does army 45k20 mean?
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