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Credit Authorizers, Checkers, and Clerks

The occupation Credit Authorizers, Checkers, and Clerks covers people who authorize credit charges against customers' accounts. You may also need to keep records of customers' charges and payments. Interest ratings put Conventional on top at 7.0 out of 7 and Enterprising second, so the code is CES and the day leans toward orderly work with data, records and clear procedures. Plan on a few months to a year of learning on the job; O*NET labels this some preparation. Strength in speaking, reading comprehension, and active listening helps most here. It tends to suit people who want orderly work with data, records and clear procedures, and it offers little for anyone seeking hands-on work with tools, machines or the physical world.

What they do

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.

Main tasks

  • 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.

Skills

  • Speaking
  • Reading Comprehension
  • Active Listening
  • Critical Thinking
  • Writing
  • Time Management

Who this career fits

May suit you if

  • You like clear rules and getting the details right.
  • You like taking the lead and making the call.
  • You want to start work after a short stretch of training.
  • You are comfortable relying on speaking and reading comprehension.

May not suit you if

  • You get restless with routine, records and exact procedures.
  • You want to work with your hands for most of the day. Realistic rates 1.0 out of 7 here.
  • You want a career built on years of advanced study.

Interest profile

O*NET rates each occupation from 1 to 7 on six interest types. The code CES takes the three highest, and Conventional comes first here.

Preparation

Some preparation. Most people start with a high school diploma, then learn from experienced coworkers over a few months to a year.

Also called

  • Commercial Credit Reviewer
  • Commercial Loan Reviewer
  • Credit Investigator
  • Credit Processor
  • Credit Representative

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This page includes information from the O*NET 31.0 Database by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA). Used under the CC BY 4.0 license. O*NET® is a trademark of USDOL/ETA.