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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.
- Compile and analyze credit information gathered by investigation.
- File sales slips in customers' ledgers for billing purposes.
- 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.
- Keep records of customers' charges and payments.
- Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.
- Prepare credit cards or charge account plates.
- Relay credit report information to subscribers by mail or by telephone.
- Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Mail charge statements to customers.
Subject areas you may need to master.
- 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.
- 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.
- 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.
- 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.
- Production and Processing - Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.
- Mechanical - Knowledge of machines and tools, including their designs, uses, repair, and maintenance.
- Mathematics - Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
- History and Archeology - Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.
- 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.
- 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.
- 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.
- Design - Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models.
- 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.
- 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.
- 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.
- 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.
- 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.
- Biology - Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.
- 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.
- 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.
- 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.
- Computers and Electronics - Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.
- 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.
- Telecommunications - Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.
- 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.
- Law and Government - Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
- 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.
- Fine Arts - Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture.
- 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.
- 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.
- Food Production - Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.
Strengths you may need in this role.
- Management of Financial Resources - Making spending decisions and keeping track of what is spent.
- Quality Control Analysis - Testing how well a product or service works.
- Installation - Installing equipment, machines, wiring, or computer programs.
- Complex Problem Solving - Noticing a problem and figuring out the best way to solve it.
- Programming - Writing computer programs.
- Social Perceptiveness - Understanding people's reactions.
- Operations Analysis - Figuring out what a product or service needs to be able to do.
- Management of Material Resources - Managing equipment and materials.
- Writing - Writing things for co-workers or customers.
- Technology Design - Making equipment and technology useful for customers.
- Speaking - Talking to others.
- Monitoring - Keeping track of how well people and/or groups are doing in order to make improvements.
- Science - Using scientific rules and strategies to solve problems.
- Systems Analysis - Figuring out how a system should work and how changes in the future will affect it.
- Operations Monitoring - Watching gauges, dials, or display screens to make sure a machine is working.
- Systems Evaluation - Measuring how well a system is working and how to improve it.
- Operation and Control - Using equipment or systems.
- Repairing - Repairing machines or systems using the right tools.
- Management of Personnel Resources - Selecting and managing the best workers for a job.
- Mathematics - Using math to solve problems.
- Learning Strategies - Using the best training or teaching strategies for learning new things.
- Service Orientation - Looking for ways to help people.
- Troubleshooting - Figuring out what is causing equipment, machines, wiring, or computer programs to not work.
- Active Listening - Listening to others, not interrupting, and asking good questions.
- Active Learning - Figuring out how to use new ideas or things.
- Equipment Maintenance - Planning and doing the basic maintenance on equipment.
- Judgment and Decision Making - Thinking about the pros and cons of different options and picking the best one.
- Time Management - Managing your time and the time of other people.
- Critical Thinking - Thinking about the pros and cons of different ways to solve a problem.
- Instructing - Teaching people how to do something.
- Coordination - Changing what is done based on other people's actions.
- Equipment Selection - Deciding what kind of tools and equipment are needed to do a job.
- Persuasion - Talking people into changing their minds or their behavior.
- Reading Comprehension - Reading work-related information.
- Negotiation - Bringing people together to solve differences.
- Perceptual Speed - Quickly comparing groups of letters, numbers, pictures, or other things.
- Time Sharing - Doing two or more things at the same time.
- Manual Dexterity - Holding or moving items with your hands.
- Response Orientation - Quickly deciding if you should move your hand, foot, or other body part.
- Reaction Time - Quickly moving your hand, finger, or foot based on a sound, light, picture or other command.
- Explosive Strength - Jumping, sprinting, or throwing something.
- Near Vision - Seeing details up close.
- Problem Sensitivity - Noticing when problems happen.
- Fluency of Ideas - Coming up with lots of ideas.
- Flexibility of Closure - Seeing hidden patterns.
- Spatial Orientation - Knowing where things are around you.
- Finger Dexterity - Putting together small parts with your fingers.
- Multilimb Coordination - Using your arms and/or legs together while sitting, standing, or lying down.
- Wrist-Finger Speed - Making fast, simple, repeated movements of your fingers, hands, and wrists.
- Dynamic Flexibility - Quickly and repeatedly bending, stretching, twisting, or reaching out with your body, arms, and/or legs.
- Hearing Sensitivity - Telling the difference between sounds.
- Sound Localization - Noticing the direction that a sound came from.
- Deductive Reasoning - Using rules to solve problems.
- Information Ordering - Ordering or arranging things.
- Oral Comprehension - Listening and understanding what people say.
- Speed of Limb Movement - Quickly moving your arms and legs.
- Trunk Strength - Using your lower back and stomach.
- Extent Flexibility - Bending, stretching, twisting, or reaching with your body, arms, and/or legs.
- Gross Body Coordination - Moving your arms, legs, and mid-section together while your whole body is moving.
- Visual Color Discrimination - Noticing the difference between colors, including shades and brightness.
- Auditory Attention - Paying attention to one sound while there are other distracting sounds.
- Category Flexibility - Grouping things in different ways.
- Mathematical Reasoning - Choosing the right type of math to solve a problem.
- Memorization - Remembering words, numbers, pictures, or steps.
- Speed of Closure - Quickly knowing what you are looking at.
- Visualization - Imagining how something will look after it is moved around or changed.
- Selective Attention - Paying attention to something without being distracted.
- Rate Control - Changing when and how fast you move based on how something else is moving.
- Static Strength - Lifting, pushing, pulling, or carrying.
- Dynamic Strength - Exercising for a long time without your muscles getting tired.
- Stamina - Exercising for a long time without getting out of breath.
- Gross Body Equilibrium - Keeping your balance or staying upright.
- Night Vision - Seeing at night or under low light.
- Inductive Reasoning - Making general rules or coming up with answers from lots of detailed information.
- Number Facility - Adding, subtracting, multiplying, or dividing.
- Arm-Hand Steadiness - Keeping your arm or hand steady.
- Far Vision - Seeing details that are far away.
- Depth Perception - Deciding which thing is closer or farther away from you, or deciding how far away it is from you.
- Written Expression - Communicating by writing.
- Speech Recognition - Recognizing spoken words.
- Speech Clarity - Speaking clearly.
- Written Comprehension - Reading and understanding what is written.
- Control Precision - Quickly changing the controls of a machine, car, truck or boat.
- Peripheral Vision - Seeing something to your side when your are looking ahead.
- Glare Sensitivity - Seeing something even if there is a glare or very bright light.
- Oral Expression - Communicating by speaking.
- Originality - Creating new and original ideas.
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")