Credit Authorizers, Checkers, and Clerks
Overview
SaveJob 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, tellers, and dental laboratory technicians.
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.
Yearly Salary
| High: | $62K |
| Median: | $41K |
| Low: | $28K |
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, and 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.
Administrative
67%
Knowledge of administrative and office procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and workplace 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
73%
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.
Reading Comprehension
73%
Understanding written sentences and paragraphs in work-related documents.
Speaking
73%
Talking to others to convey information effectively.
Critical Thinking
65%
Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
Social Perceptiveness
63%
Being aware of others' reactions and understanding why they react as they do.
Time Management
63%
Managing one's own time and the time of others.
Writing
63%
Communicating effectively in writing as appropriate for the needs of the audience.
Coordination
60%
Adjusting actions in relation to others' actions.
Judgment and Decision Making
60%
Considering the relative costs and benefits of potential actions to choose the most appropriate one.
Monitoring
60%
Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.
Top 10 Abilities
Oral Comprehension
73%
The ability to listen to and understand information and ideas presented through spoken words and sentences.
Near Vision
70%
The ability to see details at close range (within a few feet of the observer).
Oral Expression
70%
The ability to communicate information and ideas in speaking so others will understand.
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 that there is a problem.
Written Comprehension
70%
The ability to read and understand information and ideas presented in writing.
Deductive Reasoning
65%
The ability to apply general rules to specific problems to produce answers that make sense.
Inductive Reasoning
65%
The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).
Speech Clarity
65%
The ability to speak clearly so others can understand you.
Speech Recognition
65%
The ability to identify and understand the speech of another person.
Written Expression
63%
The ability to communicate information and ideas in writing so others will understand.
Top 10 Work Activities
Getting Information
91%
Observing, receiving, and otherwise obtaining information from all relevant sources.
Working 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 People Outside the 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
100%
Work involves following procedures and regulations to organize information or data, typically in a business setting. Conventional occupations are often associated with office work, accounting, mathematics/statistics, information technology, finance, or human resources.
Enterprising
64%
Work involves managing, negotiating, marketing, or selling, typically in a business setting, or leading or advising people in political and legal situations. Enterprising occupations are often associated with business initiatives, sales, marketing/advertising, finance, management/administration, professional advising, public speaking, politics, or law.
Social
49%
Work involves helping, teaching, advising, assisting, or providing service to others. Social occupations are often associated with social, health care, personal service, teaching/education, or religious activities.
Investigative
27%
Work involves studying and researching non-living objects, living organisms, disease or other forms of impairment, or human behavior. Investigative occupations are often associated with physical, life, medical, or social sciences, and can be found in the fields of humanities, mathematics/statistics, information technology, or health care service.
Artistic
15%
Work involves creating original visual artwork, performances, written works, food, or music for a variety of media, or applying artistic principles to the design of various objects and materials. Artistic occupations are often associated with visual arts, applied arts and design, performing arts, music, creative writing, media, or culinary art.
Realistic
15%
Work involves designing, building, or repairing of equipment, materials, or structures, engaging in physical activity, or working outdoors. Realistic occupations are often associated with engineering, mechanics and electronics, construction, woodworking, transportation, machine operation, agriculture, animal services, physical or manual labor, athletics, or protective services.
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.