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.
Tasks Include:
- Keep records of customers' charges and payments.
- Compile and analyze credit information gathered by investigation.
- Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.
- Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
The data sources for the information displayed here include: O*NET™; US Department of Labor (BLS); Virginia Workforce Connection. (Using onet291)
Projections Quick View:
Virginia: -6.7%
National: -5.2%
Education
High School Diploma
Job Zone:
Two: Some Preparation Needed
Income Range:
Highest ($50,000 and up)
Median Earnings:
National
$48,000.00
State
$50,920.00
Regional
Credit Authorizers, Checkers, and Clerks
Description
| Career Cluster: | Finance
|
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.
The data sources for the information displayed here include: O*NET™. (Using onet291)
Credit Authorizers, Checkers, and Clerks
Tasks
Core Tasks Include:
- Keep records of customers' charges and payments.
- Compile and analyze credit information gathered by investigation.
- Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.
- Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
Supplemental Tasks Include:
- Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.
- 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.
- 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.
Tasks Include:
- Call customers to collect payment on delinquent accounts.
- Consult with customers to resolve complaints or verify financial or credit transactions.
- Contact former employers and other acquaintances to verify applicants' references, employment, health history, or social behavior.
- Prepare reports of findings and recommendations.
- Review individual or commercial customer files to identify and select delinquent accounts for collection.
The data sources for the information displayed here include: O*NET™. (Using onet291)
Credit Authorizers, Checkers, and Clerks
Knowledge
| % | Subject | Description |
|---|---|---|
| 76.50 | 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. |
| 66.75 | English Language | Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar. |
| 65.25 | Mathematics | Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications. |
| 59.25 | Law and Government | Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process. |
| 58.50 | 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. |
| 58.25 | Economics and Accounting | Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data. |
| 54.75 | Computers and Electronics | Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming. |
| 53.25 | 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. |
The data sources for the information displayed here include: O*NET™. (Using onet291)
Credit Authorizers, Checkers, and Clerks
Skills
| % | Subject | Description |
|---|---|---|
| 65.50 | Reading Comprehension | Understanding written sentences and paragraphs in work-related documents. |
| 65.50 | Active Listening | 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. |
| 65.50 | Speaking | Talking to others to convey information effectively. |
| 56.25 | Critical Thinking | Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems. |
| 53.00 | Writing | Communicating effectively in writing as appropriate for the needs of the audience. |
| 53.00 | Time Management | Managing one's own time and the time of others. |
| 53.00 | Social Perceptiveness | Being aware of others' reactions and understanding why they react as they do. |
| 50.00 | Judgment and Decision Making | Considering the relative costs and benefits of potential actions to choose the most appropriate one. |
| 50.00 | Service Orientation | Actively looking for ways to help people. |
| 50.00 | Monitoring | Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action. |
| 50.00 | Coordination | Adjusting actions in relation to others' actions. |
The data sources for the information displayed here include: O*NET™. (Using onet291)
Credit Authorizers, Checkers, and Clerks
Abilities
| % | Subject | Description |
|---|---|---|
| 65.50 | Oral Comprehension | The ability to listen to and understand information and ideas presented through spoken words and sentences. |
| 62.50 | Written Comprehension | The ability to read and understand information and ideas presented in writing. |
| 62.50 | Oral Expression | The ability to communicate information and ideas in speaking so others will understand. |
| 62.50 | Problem Sensitivity | 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. |
| 62.50 | Near Vision | The ability to see details at close range (within a few feet of the observer). |
| 56.25 | Deductive Reasoning | The ability to apply general rules to specific problems to produce answers that make sense. |
| 56.25 | Inductive Reasoning | The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events). |
| 56.25 | Speech Clarity | The ability to speak clearly so others can understand you. |
| 56.25 | Speech Recognition | The ability to identify and understand the speech of another person. |
| 53.00 | Written Expression | The ability to communicate information and ideas in writing so others will understand. |
| 50.00 | Information Ordering | 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). |
The data sources for the information displayed here include: O*NET™. (Using onet291)
Credit Authorizers, Checkers, and Clerks
Work Activities
| % | Subject | Description |
|---|---|---|
| 88.25 | Getting Information | Observing, receiving, and otherwise obtaining information from all relevant sources. |
| 85.50 | Working with Computers | Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information. |
| 84.25 | Communicating with People Outside the Organization | 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. |
| 83.25 | Communicating with Supervisors, Peers, or Subordinates | Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person. |
| 79.00 | Documenting/Recording Information | Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form. |
| 77.50 | Processing Information | Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data. |
| 77.00 | Establishing and Maintaining Interpersonal Relationships | Developing constructive and cooperative working relationships with others, and maintaining them over time. |
| 73.00 | Updating and Using Relevant Knowledge | Keeping up-to-date technically and applying new knowledge to your job. |
| 70.75 | Organizing, Planning, and Prioritizing Work | Developing specific goals and plans to prioritize, organize, and accomplish your work. |
| 68.75 | Resolving Conflicts and Negotiating with Others | Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others. |
| 67.00 | Making Decisions and Solving Problems | Analyzing information and evaluating results to choose the best solution and solve problems. |
| 66.50 | Analyzing Data or Information | Identifying the underlying principles, reasons, or facts of information by breaking down information or data into separate parts. |
| 62.50 | Training and Teaching Others | Identifying the educational needs of others, developing formal educational or training programs or classes, and teaching or instructing others. |
| 61.50 | Interpreting the Meaning of Information for Others | Translating or explaining what information means and how it can be used. |
| 61.00 | Developing and Building Teams | Encouraging and building mutual trust, respect, and cooperation among team members. |
| 61.00 | Performing for or Working Directly with the Public | Performing for people or dealing directly with the public. This includes serving customers in restaurants and stores, and receiving clients or guests. |
| 58.25 | Performing Administrative Activities | Performing day-to-day administrative tasks such as maintaining information files and processing paperwork. |
| 57.00 | Evaluating Information to Determine Compliance with Standards | Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards. |
| 54.75 | Identifying Objects, Actions, and Events | Identifying information by categorizing, estimating, recognizing differences or similarities, and detecting changes in circumstances or events. |
| 54.50 | Coordinating the Work and Activities of Others | Getting members of a group to work together to accomplish tasks. |
| 52.00 | Coaching and Developing Others | Identifying the developmental needs of others and coaching, mentoring, or otherwise helping others to improve their knowledge or skills. |
| 51.25 | Selling or Influencing Others | Convincing others to buy merchandise/goods or to otherwise change their minds or actions. |
| 50.25 | Estimating the Quantifiable Characteristics of Products, Events, or Information | Estimating sizes, distances, and quantities; or determining time, costs, resources, or materials needed to perform a work activity. |
| 50.00 | Monitoring and Controlling Resources | Monitoring and controlling resources and overseeing the spending of money. |
The data sources for the information displayed here include: O*NET™. (Using onet291)
Credit Authorizers, Checkers, and Clerks
Work Styles
| % | Subject | Description |
|---|---|---|
| 84.50 | Integrity | Job requires being honest and ethical. |
| 83.25 | Dependability | Job requires being reliable, responsible, and dependable, and fulfilling obligations. |
| 83.00 | Cooperation | Job requires being pleasant with others on the job and displaying a good-natured, cooperative attitude. |
| 82.25 | Self-Control | Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations. |
| 82.25 | Attention to Detail | Job requires being careful about detail and thorough in completing work tasks. |
| 80.50 | Stress Tolerance | Job requires accepting criticism and dealing calmly and effectively with high-stress situations. |
| 73.00 | Independence | 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. |
| 72.00 | Persistence | Job requires persistence in the face of obstacles. |
| 69.25 | Initiative | Job requires a willingness to take on responsibilities and challenges. |
| 64.75 | Achievement/Effort | Job requires establishing and maintaining personally challenging achievement goals and exerting effort toward mastering tasks. |
| 62.25 | Concern for Others | Job requires being sensitive to others' needs and feelings and being understanding and helpful on the job. |
| 62.25 | Analytical Thinking | Job requires analyzing information and using logic to address work-related issues and problems. |
| 61.50 | Leadership | Job requires a willingness to lead, take charge, and offer opinions and direction. |
| 57.50 | Adaptability/Flexibility | Job requires being open to change (positive or negative) and to considerable variety in the workplace. |
| 56.25 | Social Orientation | Job requires preferring to work with others rather than alone, and being personally connected with others on the job. |
| 55.25 | Innovation | Job requires creativity and alternative thinking to develop new ideas for and answers to work-related problems. |
The data sources for the information displayed here include: O*NET™. (Using onet291)
Credit Authorizers, Checkers, and Clerks
Work Values
| % | Subject | Description |
|---|---|---|
| 61.17 | Support | Occupations that satisfy this work value offer supportive management that stands behind employees. Corresponding needs are Company Policies, Supervision: Human Relations and Supervision: Technical. |
| 58.33 | Relationships | 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. |
| 55.50 | Independence | Occupations that satisfy this work value allow employees to work on their own and make decisions. Corresponding needs are Creativity, Responsibility and Autonomy. |
The data sources for the information displayed here include: O*NET™. (Using onet291)
Credit Authorizers, Checkers, and Clerks
Work Context
| % | Subject | Description |
|---|---|---|
| 100.00 | Telephone | How often do you have telephone conversations in this job? |
| 97.60 | Contact With Others | How much does this job require the worker to be in contact with others (face-to-face, by telephone, or otherwise) in order to perform it? |
| 96.40 | Electronic Mail | How often do you use electronic mail in this job? |
| 94.00 | Face-to-Face Discussions | How often do you have to have face-to-face discussions with individuals or teams in this job? |
| 94.00 | Importance of Being Exact or Accurate | How important is being very exact or highly accurate in performing this job? |
| 93.40 | Time Pressure | How often does this job require the worker to meet strict deadlines? |
| 93.40 | Spend Time Sitting | How much does this job require sitting? |
| 93.20 | Deal With External Customers | How important is it to work with external customers or the public in this job? |
| 92.60 | Work With Work Group or Team | How important is it to work with others in a group or team in this job? |
| 90.60 | Structured versus Unstructured Work | To what extent is this job structured for the worker, rather than allowing the worker to determine tasks, priorities, and goals? |
| 90.40 | Impact of Decisions on Co-workers or Company Results | What results do your decisions usually have on other people or the image or reputation or financial resources of your employer? |
| 90.20 | Frequency of Decision Making | How frequently is the worker required to make decisions that affect other people, the financial resources, and/or the image and reputation of the organization? |
| 90.00 | Letters and Memos | How often does the job require written letters and memos? |
| 87.60 | Freedom to Make Decisions | How much decision making freedom, without supervision, does the job offer? |
| 86.60 | Importance of Repeating Same Tasks | How important is repeating the same physical activities (e.g., key entry) or mental activities (e.g., checking entries in a ledger) over and over, without stopping, to performing this job? |
| 82.60 | Frequency of Conflict Situations | How often are there conflict situations the employee has to face in this job? |
| 82.40 | Indoors, Environmentally Controlled | How often does this job require working indoors in environmentally controlled conditions? |
| 77.60 | Spend Time Making Repetitive Motions | How much does this job require making repetitive motions? |
| 76.80 | Deal With Unpleasant or Angry People | How frequently does the worker have to deal with unpleasant, angry, or discourteous individuals as part of the job requirements? |
| 75.40 | Coordinate or Lead Others | How important is it to coordinate or lead others in accomplishing work activities in this job? |
| 74.60 | Responsibility for Outcomes and Results | How responsible is the worker for work outcomes and results of other workers? |
| 69.60 | Physical Proximity | To what extent does this job require the worker to perform job tasks in close physical proximity to other people? |
| 64.80 | Level of Competition | To what extent does this job require the worker to compete or to be aware of competitive pressures? |
| 63.20 | Consequence of Error | How serious would the result usually be if the worker made a mistake that was not readily correctable? |
| 63.00 | Sounds, Noise Levels Are Distracting or Uncomfortable | How often does this job require working exposed to sounds and noise levels that are distracting or uncomfortable? |
| 59.40 | Degree of Automation | How automated is the job? |
| 58.80 | Extremely Bright or Inadequate Lighting | How often does this job require working in extremely bright or inadequate lighting conditions? |
| 51.60 | Responsible for Others' Health and Safety | How much responsibility is there for the health and safety of others in this job? |
The data sources for the information displayed here include: O*NET™. (Using onet291)
Credit Authorizers, Checkers, and Clerks
Job Zone Two: Some Preparation Needed
- Overall 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.
- 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.
- Education
- These occupations usually require a high school diploma.
The data sources for the information displayed here include: O*NET™. (Using onet291)
Credit Authorizers, Checkers, and Clerks
Earnings Benefits*
| Region | Entry Level | Median | Experienced |
|---|---|---|---|
| United States | $32,950.00 | $48,000.00 | $57,130.00 |
| Virginia | $37,110.00 | $50,920.00 | $65,090.00 |
| Region | Entry Level | Median | Experienced |
| Alexandria/Arlington | No Data | No Data | No Data |
| Bay Consortium | No Data | No Data | No Data |
| Capital Region Workforce Partnership | $40,750.00 | $50,420.00 | $61,040.00 |
| Central VA/Region2000 | No Data | No Data | No Data |
| Crater Area | No Data | No Data | No Data |
| Greater Peninsula | No Data | No Data | No Data |
| Hampton Roads | $38,190.00 | $42,690.00 | $48,210.00 |
| New River/Mt. Rogers | No Data | No Data | No Data |
| Northern Virginia | No Data | No Data | No Data |
| Piedmont Workforce | No Data | No Data | No Data |
| Shenandoah Valley | $38,770.00 | $45,010.00 | $51,870.00 |
| South Central | No Data | No Data | No Data |
| Southwestern Virginia | No Data | No Data | No Data |
| West Piedmont | No Data | No Data | No Data |
| Western Virginia | No Data | No Data | No Data |
* Earnings Calculations:
Regional Earnings:
Entry = Annual mean of the lower 1/3 wage distribution;
Experienced = Annual mean of the upper 2/3 wage distribution.
National and State Earnings:
Entry = Annual 10th percentile wage;
Experienced = Annual 75th percentile wage.
The data sources for the information displayed here include: US Department of Labor (BLS); Virginia Workforce Connection. (Using onet291)
Credit Authorizers, Checkers, and Clerks
Employment Projections
USA: 2023-2033
Virginia: 2022-2032
Regions: 2020-2030
| Current | Projected | % Change | |
|---|---|---|---|
| United States | 14,500 | 13,700 | -5.2% |
| Virginia | 431 | 402 | -6.7% |
| Region | Current* | Projected | % Change |
| Alexandria/Arlington | No Data | No Data | No Data |
| Bay Consortium | No Data | No Data | No Data |
| Capital Region Workforce Partnership | No Data | No Data | No Data |
| Central VA/Region2000 | No Data | No Data | No Data |
| Crater Area | No Data | No Data | No Data |
| Greater Peninsula | No Data | No Data | No Data |
| Hampton Roads | No Data | No Data | No Data |
| New River/Mt. Rogers | No Data | No Data | No Data |
| Northern Virginia | No Data | No Data | No Data |
| Piedmont Workforce | No Data | No Data | No Data |
| Shenandoah Valley | No Data | No Data | No Data |
| South Central | No Data | No Data | No Data |
| Southwestern Virginia | No Data | No Data | No Data |
| West Piedmont | No Data | No Data | No Data |
| Western Virginia | No Data | No Data | No Data |
The data sources for the information displayed here include: US Department of Labor (BLS); Virginia Workforce Connection. (Using onet291)
Credit Authorizers, Checkers, and Clerks
Related Occupations
Related Occupations
The related occupations here have similar general capabilities and interests; career explorers may also be interested in the related occupations:- Loan Interviewers and Clerks
- Loan Officers
- Bill and Account Collectors
- Credit Counselors
- Insurance Claims and Policy Processing Clerks
- Customer Service Representatives
- New Accounts Clerks
- Bookkeeping, Accounting, and Auditing Clerks
- Tax Examiners and Collectors, and Revenue Agents
- Billing and Posting Clerks
- Credit Analysts
- Financial Managers
- Tellers
- Personal Financial Advisors
- Securities, Commodities, and Financial Services Sales Agents
- Accountants and Auditors
- Eligibility Interviewers, Government Programs
- Brokerage Clerks
- Financial Examiners
- Correspondence Clerks
Careers in Banking Services Pathway:
- Bill and Account Collectors
- Credit Analysts
- Credit Authorizers, Checkers, and Clerks
- Financial Clerks, All Other
- Loan Interviewers and Clerks
- Loan Officers
- Tellers
The data sources for the information displayed here include: O*NET™. (Using onet291)
Credit Authorizers, Checkers, and Clerks
View Videos
CareerOneStop Video
View Video & Transcript on CareerOneStop
CareerOneStop Finance Videos
Overview
Occupations
The data sources for the information displayed here include: New York State Department of Labor; New Jersey Department of Labor; California Occupational Information Coordinating Committee; CareerOneStop. (Using onet291)
Credit Authorizers, Checkers, and Clerks
Proficiency Ratings
These proficiencies are scored on a scale from 1 to 5 with 1 being not
important to the job and 5 being extremely important to the job.
The data sources for the information displayed here include: O*NET™. (Using onet291)
Credit Authorizers, Checkers, and Clerks
Titles
- Charge Authorizer
- Commercial Credit Reviewer
- Credit Charge Authorizer
- Credit Checker
- Credit Investigator
- Credit Processor
- Credit Rating Checker
- Credit Reference Clerk
- Credit Report Checker
The data sources for the information displayed here include: O*NET™. (Using onet291)
Credit Authorizers, Checkers, and Clerks
Related Schools
- Hampton University
The data sources for the information displayed here include: O*NET™. (Using onet291)