Credit Authorizers, Checkers, and Clerks
Overview
Salary
Demand
Core Tasks
Technology Skills
Tools Used
Top 10 Knowledge Required
Top 10 Skills
Top 10 Abilities
Top 10 Work Activities
Detailed Work Activities
Majors
Interests
Top 10 Work Styles
Work Values
Related Careers
Overview
Job Zone Two: Some Preparation Needed
Experience
Some previous work-related skill, knowledge, or experience is usually needed. For example, a teller would benefit from experience working directly with the public.
Education
These occupations usually require a high school diploma.
Job Training
Employees in these occupations need anywhere from a few months to one year of working with experienced employees. A recognized apprenticeship program may be associated with these occupations.
Examples
These occupations often involve using your knowledge and skills to help others. Examples include orderlies, counter and rental clerks, customer service representatives, security guards, upholsterers, and tellers.
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.
Salary Salary
Salary at 10th Percentile: $28K
Salary at 25th Percentile: $34K
Median Salary: $41K
Salary at 75th Percentile: $51K
Salary at 90th Percentile: $62K
Demand
Core Tasks
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.
Compile and analyze credit information gathered by investigation.
File sales slips in customers' ledgers for billing purposes.
Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.
Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.
Mail charge statements to customers.
Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.
Relay credit report information to subscribers by mail or by telephone.
Prepare credit cards or charge account plates.
Technology Skills
Technology
Example
Hot Technology
Tools Used
Tool
Example
Top 10 Knowledge Required
Customer and Personal Service
82%
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.
English Language
74%
Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
Mathematics
73%
Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
Law and Government
68%
Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
Clerical
67%
Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.
Economics and Accounting
67%
Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
Computers and Electronics
64%
Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.
Administration and Management
63%
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.
Sales and Marketing
54%
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.
Education and Training
48%
Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.
Top 10 Skills
Active Listening
83%
Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
Speaking
78%
Talking to others to convey information effectively.
Reading Comprehension
73%
Understanding written sentences and paragraphs in work related documents.
Critical Thinking
72%
Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
Writing
69%
Communicating effectively in writing as appropriate for the needs of the audience.
Judgment and Decision Making
68%
Considering the relative costs and benefits of potential actions to choose the most appropriate one.
Social Perceptiveness
67%
Being aware of others' reactions and understanding why they react as they do.
Time Management
64%
Managing one's own time and the time of others.
Active Learning
63%
Understanding the implications of new information for both current and future problem-solving and decision-making.
Complex Problem Solving
62%
Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.
Top 10 Abilities
Oral Comprehension
82%
The ability to listen to and understand information and ideas presented through spoken words and sentences.
Oral Expression
82%
The ability to communicate information and ideas in speaking so others will understand.
Written Comprehension
79%
The ability to read and understand information and ideas presented in writing.
Written Expression
78%
The ability to communicate information and ideas in writing so others will understand.
Near Vision
73%
The ability to see details at close range (within a few feet of the observer).
Speech Clarity
73%
The ability to speak clearly so others can understand you.
Speech Recognition
72%
The ability to identify and understand the speech of another person.
Problem Sensitivity
70%
The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem.
Inductive Reasoning
68%
The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).
Information Ordering
68%
The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).
Top 10 Work Activities
Getting Information
91%
Observing, receiving, and otherwise obtaining information from all relevant sources.
Interacting With Computers
89%
Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.
Communicating with Persons Outside Organization
88%
Communicating with people outside the organization, representing the organization to customers, the public, government, and other external sources. This information can be exchanged in person, in writing, or by telephone or e-mail.
Communicating with Supervisors, Peers, or Subordinates
87%
Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.
Documenting/Recording Information
84%
Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.
Establishing and Maintaining Interpersonal Relationships
82%
Developing constructive and cooperative working relationships with others, and maintaining them over time.
Processing Information
82%
Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.
Updating and Using Relevant Knowledge
79%
Keeping up-to-date technically and applying new knowledge to your job.
Organizing, Planning, and Prioritizing Work
77%
Developing specific goals and plans to prioritize, organize, and accomplish your work.
Resolving Conflicts and Negotiating with Others
75%
Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.
Detailed Work Activities
Maintain financial or account records.
Compile data or documentation.
Analyze financial information.
Obtain personal or financial information about customers or applicants.
Interview employees, customers, or others to collect information.
File documents or records.
Send information, materials or documentation.
Search files, databases or reference materials to obtain needed information.
Discuss account status or activity with customers or patrons.
Execute sales or other financial transactions.
Collect deposits, payments or fees.
Correspond with customers to answer questions or resolve complaints.
Prepare documentation for contracts, transactions, or regulatory compliance.
Examine financial records.
Interests
Conventional
93%
Conventional occupations frequently involve following set procedures and routines. These occupations can include working with data and details more than with ideas. Usually there is a clear line of authority to follow.
Enterprising
74%
Enterprising occupations frequently involve starting up and carrying out projects. These occupations can involve leading people and making many decisions. Sometimes they require risk taking and often deal with business.
Social
39%
Social occupations frequently involve working with, communicating with, and teaching people. These occupations often involve helping or providing service to others.
Investigative
29%
Investigative occupations frequently involve working with ideas, and require an extensive amount of thinking. These occupations can involve searching for facts and figuring out problems mentally.
Realistic
27%
Realistic occupations frequently involve work activities that include practical, hands-on problems and solutions. They often deal with plants, animals, and real-world materials like wood, tools, and machinery. Many of the occupations require working outside, and do not involve a lot of paperwork or working closely with others.
Artistic
15%
Artistic occupations frequently involve working with forms, designs and patterns. They often require self-expression and the work can be done without following a clear set of rules.
Top 10 Work Styles
Integrity
88%
Job requires being honest and ethical.
Cooperation
87%
Job requires being pleasant with others on the job and displaying a good-natured, cooperative attitude.
Dependability
87%
Job requires being reliable, responsible, and dependable, and fulfilling obligations.
Attention to Detail
86%
Job requires being careful about detail and thorough in completing work tasks.
Self Control
86%
Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations.
Stress Tolerance
85%
Job requires accepting criticism and dealing calmly and effectively with high stress situations.
Independence
79%
Job requires developing one's own ways of doing things, guiding oneself with little or no supervision, and depending on oneself to get things done.
Persistence
78%
Job requires persistence in the face of obstacles.
Initiative
76%
Job requires a willingness to take on responsibilities and challenges.
Achievement/Effort
72%
Job requires establishing and maintaining personally challenging achievement goals and exerting effort toward mastering tasks.
Work Values
Support
67%
Occupations that satisfy this work value offer supportive management that stands behind employees. Corresponding needs are Company Policies, Supervision: Human Relations and Supervision: Technical.
Relationships
65%
Occupations that satisfy this work value allow employees to provide service to others and work with co-workers in a friendly non-competitive environment. Corresponding needs are Co-workers, Moral Values and Social Service.
Independence
62%
Occupations that satisfy this work value allow employees to work on their own and make decisions. Corresponding needs are Creativity, Responsibility and Autonomy.
Working Conditions
41%
Occupations that satisfy this work value offer job security and good working conditions. Corresponding needs are Activity, Compensation, Independence, Security, Variety and Working Conditions.
Achievement
39%
Occupations that satisfy this work value are results oriented and allow employees to use their strongest abilities, giving them a feeling of accomplishment. Corresponding needs are Ability Utilization and Achievement.
Recognition
36%
Occupations that satisfy this work value offer advancement, potential for leadership, and are often considered prestigious. Corresponding needs are Advancement, Authority, Recognition and Social Status.
