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Credit Authorizers, Checkers, and Clerks
Authorize credit charges against customers' accounts. Investigate history and credit standing of individuals or business establishments applying for credit. May interview applicants to obtain personal and financial data, determine credit worthiness, process applications, and notify customers of acceptance or rejection of credit.
Also Known As:
Commercial Credit Reviewer
Commercial Loan Reviewer
Credit Investigator
Credit Processor
Credit Representative
Wages
Annual wages for Credit Authorizers, Checkers, and Clerks in United States
Job Outlook
Below Average
New job opportunities are less likely in the future
United States
2034 Projected Employment
11,300
-6% Change From 2024
Explore Credit Authorizers, Checkers, and Clerks video
Tasks you might complete in a day.
- Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.
- Compile and analyze credit information gathered by investigation.
- Prepare credit cards or charge account plates.
- Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- File sales slips in customers' ledgers for billing purposes.
- Keep records of customers' charges and payments.
- Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.
- Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.
- Compile and analyze credit information gathered by investigation.
- Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.
- Relay credit report information to subscribers by mail or by telephone.
- Mail charge statements to customers.
Subject areas you may need to master.
- English Language - Knowledge of the structure and content of the English language including the meaning and spelling of words, and rules of composition and grammar.
- Communications and Media - Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.
- Biology - Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.
- Chemistry - Knowledge of the chemical composition, structure, and properties of substances and of the chemical processes and transformations that they undergo. This includes uses of chemicals and their interactions, danger signs, production techniques, and disposal methods.
- Customer and Personal Service - Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.
- Administration and Management - Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.
- Computers and Electronics - Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.
- Education and Training - Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.
- Telecommunications - Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.
- Philosophy and Theology - Knowledge of different philosophical systems and religions. This includes their basic principles, values, ethics, ways of thinking, customs, practices, and their impact on human culture.
- Therapy and Counseling - Knowledge of principles, methods, and procedures for diagnosis, treatment, and rehabilitation of physical and mental dysfunctions, and for career counseling and guidance.
- Law and Government - Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
- History and Archeology - Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.
- Personnel and Human Resources - Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems.
- Mechanical - Knowledge of machines and tools, including their designs, uses, repair, and maintenance.
- Mathematics - Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
- Physics - Knowledge and prediction of physical principles, laws, their interrelationships, and applications to understanding fluid, material, and atmospheric dynamics, and mechanical, electrical, atomic and sub-atomic structures and processes.
- Production and Processing - Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.
- Foreign Language - Knowledge of the structure and content of a foreign (non-English) language including the meaning and spelling of words, rules of composition and grammar, and pronunciation.
- Medicine and Dentistry - Knowledge of the information and techniques needed to diagnose and treat human injuries, diseases, and deformities. This includes symptoms, treatment alternatives, drug properties and interactions, and preventive health-care measures.
- Public Safety and Security - Knowledge of relevant equipment, policies, procedures, and strategies to promote effective local, state, or national security operations for the protection of people, data, property, and institutions.
- Building and Construction - Knowledge of materials, methods, and the tools involved in the construction or repair of houses, buildings, or other structures such as highways and roads.
- Sociology and Anthropology - Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures, and their history and origins.
- Economics and Accounting - Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.
- Engineering and Technology - Knowledge of the practical application of engineering science and technology. This includes applying principles, techniques, procedures, and equipment to the design and production of various goods and services.
- Sales and Marketing - Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.
- Design - Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models.
- Fine Arts - Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture.
- Food Production - Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.
- Administrative - Knowledge of administrative and office procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and workplace terminology.
- Psychology - Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders.
- Transportation - Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.
- Geography - Knowledge of principles and methods for describing the features of land, sea, and air masses, including their physical characteristics, locations, interrelationships, and distribution of plant, animal, and human life.
Strengths you may need in this role.
- Management of Financial Resources - Making spending decisions and keeping track of what is spent.
- Installation - Installing equipment, machines, wiring, or computer programs.
- Complex Problem Solving - Noticing a problem and figuring out the best way to solve it.
- Social Perceptiveness - Understanding people's reactions.
- Operations Analysis - Figuring out what a product or service needs to be able to do.
- Programming - Writing computer programs.
- Quality Control Analysis - Testing how well a product or service works.
- Management of Personnel Resources - Selecting and managing the best workers for a job.
- Service Orientation - Looking for ways to help people.
- Writing - Writing things for co-workers or customers.
- Learning Strategies - Using the best training or teaching strategies for learning new things.
- Monitoring - Keeping track of how well people and/or groups are doing in order to make improvements.
- Speaking - Talking to others.
- Operations Monitoring - Watching gauges, dials, or display screens to make sure a machine is working.
- Systems Analysis - Figuring out how a system should work and how changes in the future will affect it.
- Operation and Control - Using equipment or systems.
- Systems Evaluation - Measuring how well a system is working and how to improve it.
- Repairing - Repairing machines or systems using the right tools.
- Management of Material Resources - Managing equipment and materials.
- Mathematics - Using math to solve problems.
- Technology Design - Making equipment and technology useful for customers.
- Science - Using scientific rules and strategies to solve problems.
- Judgment and Decision Making - Thinking about the pros and cons of different options and picking the best one.
- Troubleshooting - Figuring out what is causing equipment, machines, wiring, or computer programs to not work.
- Coordination - Changing what is done based on other people's actions.
- Active Listening - Listening to others, not interrupting, and asking good questions.
- Critical Thinking - Thinking about the pros and cons of different ways to solve a problem.
- Negotiation - Bringing people together to solve differences.
- Equipment Maintenance - Planning and doing the basic maintenance on equipment.
- Time Management - Managing your time and the time of other people.
- Reading Comprehension - Reading work-related information.
- Active Learning - Figuring out how to use new ideas or things.
- Instructing - Teaching people how to do something.
- Persuasion - Talking people into changing their minds or their behavior.
- Equipment Selection - Deciding what kind of tools and equipment are needed to do a job.
- Multilimb Coordination - Using your arms and/or legs together while sitting, standing, or lying down.
- Explosive Strength - Jumping, sprinting, or throwing something.
- Spatial Orientation - Knowing where things are around you.
- Response Orientation - Quickly deciding if you should move your hand, foot, or other body part.
- Near Vision - Seeing details up close.
- Hearing Sensitivity - Telling the difference between sounds.
- Information Ordering - Ordering or arranging things.
- Perceptual Speed - Quickly comparing groups of letters, numbers, pictures, or other things.
- Finger Dexterity - Putting together small parts with your fingers.
- Dynamic Flexibility - Quickly and repeatedly bending, stretching, twisting, or reaching out with your body, arms, and/or legs.
- Deductive Reasoning - Using rules to solve problems.
- Reaction Time - Quickly moving your hand, finger, or foot based on a sound, light, picture or other command.
- Sound Localization - Noticing the direction that a sound came from.
- Fluency of Ideas - Coming up with lots of ideas.
- Time Sharing - Doing two or more things at the same time.
- Flexibility of Closure - Seeing hidden patterns.
- Manual Dexterity - Holding or moving items with your hands.
- Wrist-Finger Speed - Making fast, simple, repeated movements of your fingers, hands, and wrists.
- Problem Sensitivity - Noticing when problems happen.
- Mathematical Reasoning - Choosing the right type of math to solve a problem.
- Static Strength - Lifting, pushing, pulling, or carrying.
- Gross Body Coordination - Moving your arms, legs, and mid-section together while your whole body is moving.
- Oral Comprehension - Listening and understanding what people say.
- Visualization - Imagining how something will look after it is moved around or changed.
- Gross Body Equilibrium - Keeping your balance or staying upright.
- Inductive Reasoning - Making general rules or coming up with answers from lots of detailed information.
- Speed of Closure - Quickly knowing what you are looking at.
- Stamina - Exercising for a long time without getting out of breath.
- Visual Color Discrimination - Noticing the difference between colors, including shades and brightness.
- Memorization - Remembering words, numbers, pictures, or steps.
- Rate Control - Changing when and how fast you move based on how something else is moving.
- Trunk Strength - Using your lower back and stomach.
- Auditory Attention - Paying attention to one sound while there are other distracting sounds.
- Category Flexibility - Grouping things in different ways.
- Speed of Limb Movement - Quickly moving your arms and legs.
- Extent Flexibility - Bending, stretching, twisting, or reaching with your body, arms, and/or legs.
- Night Vision - Seeing at night or under low light.
- Selective Attention - Paying attention to something without being distracted.
- Dynamic Strength - Exercising for a long time without your muscles getting tired.
- Arm-Hand Steadiness - Keeping your arm or hand steady.
- Written Comprehension - Reading and understanding what is written.
- Oral Expression - Communicating by speaking.
- Written Expression - Communicating by writing.
- Originality - Creating new and original ideas.
- Peripheral Vision - Seeing something to your side when your are looking ahead.
- Speech Recognition - Recognizing spoken words.
- Number Facility - Adding, subtracting, multiplying, or dividing.
- Control Precision - Quickly changing the controls of a machine, car, truck or boat.
- Depth Perception - Deciding which thing is closer or farther away from you, or deciding how far away it is from you.
- Speech Clarity - Speaking clearly.
- Far Vision - Seeing details that are far away.
- Glare Sensitivity - Seeing something even if there is a glare or very bright light.
Average Education Attained
Highest level of education earned by people in this career.
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Content sourced from United States Department of Labor Employment and Training Administration ("DOLETA") and the Minnesota Department of Employment & Economic Development ("DEED")