Credit Authorizers, Checkers, and Clerks

Overview

Credit Authorizers, Checkers, and Clerks has a national median salary of $50,080 per year, with -7.4% projected job growth from 2025–2035. The Bureau of Labor Statistics lists a high school diploma or equivalent as the typical education needed to enter this occupation.

Description

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.

Work Values

• Support
• Relationships
• Independence

Work Styles

Responsibilities

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.
• Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.

Work Activities

• Getting Information
• Working with Computers
• Communicating with People Outside the Organization
• Communicating with Supervisors, Peers, or Subordinates
• Documenting/Recording Information
• Processing Information
• Establishing and Maintaining Interpersonal Relationships
• Updating and Using Relevant Knowledge
• Organizing, Planning, and Prioritizing Work
• Resolving Conflicts and Negotiating with Others

Detailed Work Activities

• Observing, receiving, and otherwise obtaining information from all relevant sources.
• 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, 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.
• Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.
• Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.
• Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.
• Developing constructive and cooperative working relationships with others, and maintaining them over time.
• Keeping up-to-date technically and applying new knowledge to your job.
• Developing specific goals and plans to prioritize, organize, and accomplish your work.
• Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.

T-A-S-K

Technology, Abilities, Skills & Knowledge

Education

Education Levels of Current Workers

The Bureau of Labor Statistics lists a high school diploma or equivalent as the typical education needed to enter this occupation. The chart below shows the highest level of education held by people already working in this field, ages 25 and older. It includes workers who earned more education than the job requires and workers who entered the field under earlier requirements, so the largest bar is not the entry requirement. For example, if someone finished a bachelor's degree and then started working in this field, they are counted under “Bachelor's degree” here, but the job itself typically asks for a high school diploma or equivalent.

Certificates

Certifications applicable to Credit Authorizers, Checkers, and Clerks:

Video Resources