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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.

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    Work Activities

    Work Activities

    • Compile and analyze credit information gathered by investigation.
    • Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.
    • Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
    • File sales slips in customers' ledgers for billing purposes.
    • Keep records of customers' charges and payments.
    • Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.
    • Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.
    • Prepare credit cards or charge account plates.
    • Mail charge statements to customers.
    • Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.
    • Compile and analyze credit information gathered by investigation.
    • Relay credit report information to subscribers by mail or by telephone.

    Skills

    • Installation

      Installing equipment, machines, wiring, or computer programs.

    • Systems Evaluation

      Measuring how well a system is working and how to improve it.

    • Time Management

      Managing your time and the time of other people.

    • Coordination

      Changing what is done based on other people's actions.

    • Instructing

      Teaching people how to do something.

    • Mathematics

      Using math to solve problems.

    • Speaking

      Talking to others.

    • Critical Thinking

      Thinking about the pros and cons of different ways to solve a problem.

    • Active Learning

      Figuring out how to use new ideas or things.

    • Learning Strategies

      Using the best training or teaching strategies for learning new things.

    • Operations Analysis

      Figuring out what a product or service needs to be able to do.

    • Technology Design

      Making equipment and technology useful for customers.

    • Operation and Control

      Using equipment or systems.

    • Equipment Maintenance

      Planning and doing the basic maintenance on equipment.

    • Repairing

      Repairing machines or systems using the right tools.

    • Quality Control Analysis

      Testing how well a product or service works.

    • Systems Analysis

      Figuring out how a system should work and how changes in the future will affect it.

    • Management of Financial Resources

      Making spending decisions and keeping track of what is spent.

    • Service Orientation

      Looking for ways to help people.

    • Negotiation

      Bringing people together to solve differences.

    • Social Perceptiveness

      Understanding people's reactions.

    • Management of Material Resources

      Managing equipment and materials.

    • Management of Personnel Resources

      Selecting and managing the best workers for a job.

    • Reading Comprehension

      Reading work-related information.

    • Monitoring

      Keeping track of how well people and/or groups are doing in order to make improvements.

    • Active Listening

      Listening to others, not interrupting, and asking good questions.

    • Writing

      Writing things for co-workers or customers.

    • Science

      Using scientific rules and strategies to solve problems.

    • Persuasion

      Talking people into changing their minds or their behavior.

    • Complex Problem Solving

      Noticing a problem and figuring out the best way to solve it.

    • Equipment Selection

      Deciding what kind of tools and equipment are needed to do a job.

    • Programming

      Writing computer programs.

    • Operations Monitoring

      Watching gauges, dials, or display screens to make sure a machine is working.

    • Troubleshooting

      Figuring out what is causing equipment, machines, wiring, or computer programs to not work.

    • Judgment and Decision Making

      Thinking about the pros and cons of different options and picking the best one.

    WorkKeys®

    Applied Math
    3
    Workplace Documents
    4
    Graphic Literacy
    4

    Abilities

    • Reaction Time

      Quickly moving your hand, finger, or foot based on a sound, light, picture or other command.

    • Speech Clarity

      Speaking clearly.

    • Gross Body Equilibrium

      Keeping your balance or staying upright.

    • Far Vision

      Seeing details that are far away.

    • Hearing Sensitivity

      Telling the difference between sounds.

    • Originality

      Creating new and original ideas.

    • Sound Localization

      Noticing the direction that a sound came from.

    • Written Comprehension

      Reading and understanding what is written.

    • Auditory Attention

      Paying attention to one sound while there are other distracting sounds.

    • Oral Comprehension

      Listening and understanding what people say.

    • Trunk Strength

      Using your lower back and stomach.

    • Glare Sensitivity

      Seeing something even if there is a glare or very bright light.

    • Fluency of Ideas

      Coming up with lots of ideas.

    • Gross Body Coordination

      Moving your arms, legs, and mid-section together while your whole body is moving.

    • Inductive Reasoning

      Making general rules or coming up with answers from lots of detailed information.

    • Flexibility of Closure

      Seeing hidden patterns.

    • Visualization

      Imagining how something will look after it is moved around or changed.

    • Selective Attention

      Paying attention to something without being distracted.

    • Control Precision

      Quickly changing the controls of a machine, car, truck or boat.

    • Multilimb Coordination

      Using your arms and/or legs together while sitting, standing, or lying down.

    • Explosive Strength

      Jumping, sprinting, or throwing something.

    • Response Orientation

      Quickly deciding if you should move your hand, foot, or other body part.

    • Speech Recognition

      Recognizing spoken words.

    • Depth Perception

      Deciding which thing is closer or farther away from you, or deciding how far away it is from you.

    • Written Expression

      Communicating by writing.

    • Information Ordering

      Ordering or arranging things.

    • Stamina

      Exercising for a long time without getting out of breath.

    • Mathematical Reasoning

      Choosing the right type of math to solve a problem.

    • Dynamic Flexibility

      Quickly and repeatedly bending, stretching, twisting, or reaching out with your body, arms, and/or legs.

    • Night Vision

      Seeing at night or under low light.

    • Deductive Reasoning

      Using rules to solve problems.

    • Memorization

      Remembering words, numbers, pictures, or steps.

    • Problem Sensitivity

      Noticing when problems happen.

    • Category Flexibility

      Grouping things in different ways.

    • Oral Expression

      Communicating by speaking.

    • Manual Dexterity

      Holding or moving items with your hands.

    • Finger Dexterity

      Putting together small parts with your fingers.

    • Wrist-Finger Speed

      Making fast, simple, repeated movements of your fingers, hands, and wrists.

    • Static Strength

      Lifting, pushing, pulling, or carrying.

    • Speed of Limb Movement

      Quickly moving your arms and legs.

    • Dynamic Strength

      Exercising for a long time without your muscles getting tired.

    • Extent Flexibility

      Bending, stretching, twisting, or reaching with your body, arms, and/or legs.

    • Visual Color Discrimination

      Noticing the difference between colors, including shades and brightness.

    • Number Facility

      Adding, subtracting, multiplying, or dividing.

    • Near Vision

      Seeing details up close.

    • Perceptual Speed

      Quickly comparing groups of letters, numbers, pictures, or other things.

    • Spatial Orientation

      Knowing where things are around you.

    • Arm-Hand Steadiness

      Keeping your arm or hand steady.

    • Rate Control

      Changing when and how fast you move based on how something else is moving.

    • Peripheral Vision

      Seeing something to your side when your are looking ahead.

    • Speed of Closure

      Quickly knowing what you are looking at.

    • Time Sharing

      Doing two or more things at the same time.

    Knowledge

    • Public Safety and Security

      Knowledge of relevant equipment, policies, procedures, and strategies to promote effective local, state, or national security operations for the protection of people, data, property, and institutions.

    • Design

      Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models.

    • Biology

      Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.

    • Computers and Electronics

      Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.

    • Building and Construction

      Knowledge of materials, methods, and the tools involved in the construction or repair of houses, buildings, or other structures such as highways and roads.

    • 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.

    • Sales and Marketing

      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.

    • 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.

    • Transportation

      Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.

    • Physics

      Knowledge and prediction of physical principles, laws, their interrelationships, and applications to understanding fluid, material, and atmospheric dynamics, and mechanical, electrical, atomic and sub-atomic structures and processes.

    • Sociology and Anthropology

      Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures, and their history and origins.

    • Psychology

      Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders.

    • Therapy and Counseling

      Knowledge of principles, methods, and procedures for diagnosis, treatment, and rehabilitation of physical and mental dysfunctions, and for career counseling and guidance.

    • Medicine and Dentistry

      Knowledge of the information and techniques needed to diagnose and treat human injuries, diseases, and deformities. This includes symptoms, treatment alternatives, drug properties and interactions, and preventive health-care measures.

    • Telecommunications

      Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.

    • Mechanical

      Knowledge of machines and tools, including their designs, uses, repair, and maintenance.

    • Chemistry

      Knowledge of the chemical composition, structure, and properties of substances and of the chemical processes and transformations that they undergo. This includes uses of chemicals and their interactions, danger signs, production techniques, and disposal methods.

    • Geography

      Knowledge of principles and methods for describing the features of land, sea, and air masses, including their physical characteristics, locations, interrelationships, and distribution of plant, animal, and human life.

    • Communications and Media

      Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.

    • 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.

    • Education and Training

      Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.

    • History and Archeology

      Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.

    • English Language

      Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

    • Fine Arts

      Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture.

    • Foreign Language

      Knowledge of the structure and content of a foreign (non-English) language including the meaning and spelling of words, rules of composition and grammar, and pronunciation.

    • Law and Government

      Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.

    • Economics and Accounting

      Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.

    • Philosophy and Theology

      Knowledge of different philosophical systems and religions. This includes their basic principles, values, ethics, ways of thinking, customs, practices, and their impact on human culture.

    • Personnel and Human Resources

      Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems.

    • Production and Processing

      Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.

    • Food Production

      Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.

    • Engineering and Technology

      Knowledge of the practical application of engineering science and technology. This includes applying principles, techniques, procedures, and equipment to the design and production of various goods and services.

    • Mathematics

      Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

    Career Video

    Additional videos and more information available on CareerOneStop

    Pay

    • Ohio Annual Salary 46710/yr
    • Typical Salary
    • Ohio Hourly Wage 22.46/hr
    • Typical Hourly Wage

    Ohio Employment Trends

    • Currently Employed 720
    • Yearly Projected Openings 70

    Typical Education

    Personality

    Conventional: People interested in this work like activities that include data, detail, and regular routines.They do well at jobs that need:
    • Integrity
    • Cooperation
    • Dependability
    • Attention to Detail
    • Self Control
    • Stress Tolerance

    Tools

    • Laser fax machine
    • Laser printers
    • Magnetic stripe readers and encoders
    • Personal computers
    • Photocopiers
    • Printer calculator
    • Scanners
    • Special purpose telephones
    • Typewriters

    Technology

    • Accounting software
    • Business intelligence and data analysis software
    • Data base user interface and query software
    • Electronic mail software
    • Enterprise resource planning ERP software
    • Financial analysis software
    • Internet browser software
    • Office suite software
    • Presentation software
    • Project management software
    • Spreadsheet software
    • Word processing software
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