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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

    • File sales slips in customers' ledgers for billing purposes.
    • 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.
    • 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.
    • 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.
    • Mail charge statements to customers.
    • Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.
    • Compile and analyze credit information gathered by investigation.
    • Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.

    Skills

    • Critical Thinking

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

    • Management of Personnel Resources

      Selecting and managing the best workers for a job.

    • Equipment Selection

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

    • Quality Control Analysis

      Testing how well a product or service works.

    • Instructing

      Teaching people how to do something.

    • Monitoring

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

    • Complex Problem Solving

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

    • Science

      Using scientific rules and strategies to solve problems.

    • Negotiation

      Bringing people together to solve differences.

    • Active Learning

      Figuring out how to use new ideas or things.

    • Service Orientation

      Looking for ways to help people.

    • Operation and Control

      Using equipment or systems.

    • Speaking

      Talking to others.

    • Writing

      Writing things for co-workers or customers.

    • Equipment Maintenance

      Planning and doing the basic maintenance on equipment.

    • Installation

      Installing equipment, machines, wiring, or computer programs.

    • Judgment and Decision Making

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

    • Time Management

      Managing your time and the time of other people.

    • Learning Strategies

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

    • Systems Analysis

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

    • Repairing

      Repairing machines or systems using the right tools.

    • Mathematics

      Using math to solve problems.

    • Management of Material Resources

      Managing equipment and materials.

    • Active Listening

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

    • Persuasion

      Talking people into changing their minds or their behavior.

    • Social Perceptiveness

      Understanding people's reactions.

    • Coordination

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

    • Management of Financial Resources

      Making spending decisions and keeping track of what is spent.

    • Programming

      Writing computer programs.

    • Operations Monitoring

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

    • Systems Evaluation

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

    • Reading Comprehension

      Reading work-related information.

    • Technology Design

      Making equipment and technology useful for customers.

    • Operations Analysis

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

    • Troubleshooting

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

    WorkKeys®

    Applied Math
    3
    Workplace Documents
    4
    Graphic Literacy
    4

    Abilities

    • Problem Sensitivity

      Noticing when problems happen.

    • Speed of Closure

      Quickly knowing what you are looking at.

    • Manual Dexterity

      Holding or moving items with your hands.

    • Finger Dexterity

      Putting together small parts with your fingers.

    • Originality

      Creating new and original ideas.

    • Stamina

      Exercising for a long time without getting out of breath.

    • Time Sharing

      Doing two or more things at the same time.

    • Gross Body Equilibrium

      Keeping your balance or staying upright.

    • Near Vision

      Seeing details up close.

    • Oral Expression

      Communicating by speaking.

    • Inductive Reasoning

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

    • Trunk Strength

      Using your lower back and stomach.

    • Extent Flexibility

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

    • Peripheral Vision

      Seeing something to your side when your are looking ahead.

    • Speech Clarity

      Speaking clearly.

    • Depth Perception

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

    • Glare Sensitivity

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

    • Static Strength

      Lifting, pushing, pulling, or carrying.

    • Memorization

      Remembering words, numbers, pictures, or steps.

    • Visualization

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

    • Gross Body Coordination

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

    • Night Vision

      Seeing at night or under low light.

    • Rate Control

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

    • Written Expression

      Communicating by writing.

    • Number Facility

      Adding, subtracting, multiplying, or dividing.

    • Auditory Attention

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

    • Response Orientation

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

    • Selective Attention

      Paying attention to something without being distracted.

    • Far Vision

      Seeing details that are far away.

    • Multilimb Coordination

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

    • Fluency of Ideas

      Coming up with lots of ideas.

    • Visual Color Discrimination

      Noticing the difference between colors, including shades and brightness.

    • Explosive Strength

      Jumping, sprinting, or throwing something.

    • Dynamic Flexibility

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

    • Hearing Sensitivity

      Telling the difference between sounds.

    • Dynamic Strength

      Exercising for a long time without your muscles getting tired.

    • Control Precision

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

    • Written Comprehension

      Reading and understanding what is written.

    • Sound Localization

      Noticing the direction that a sound came from.

    • Oral Comprehension

      Listening and understanding what people say.

    • Information Ordering

      Ordering or arranging things.

    • Category Flexibility

      Grouping things in different ways.

    • Arm-Hand Steadiness

      Keeping your arm or hand steady.

    • Speech Recognition

      Recognizing spoken words.

    • Speed of Limb Movement

      Quickly moving your arms and legs.

    • Reaction Time

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

    • Wrist-Finger Speed

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

    • Deductive Reasoning

      Using rules to solve problems.

    • Flexibility of Closure

      Seeing hidden patterns.

    • Perceptual Speed

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

    • Mathematical Reasoning

      Choosing the right type of math to solve a problem.

    • Spatial Orientation

      Knowing where things are around you.

    Knowledge

    • 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.

    • Mathematics

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

    • English Language

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

    • Production and Processing

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

    • 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.

    • Design

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

    • Food Production

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

    • 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.

    • 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.

    • 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.

    • 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.

    • 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.

    • 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.

    • 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.

    • 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.

    • 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.

    • Sociology and Anthropology

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

    • 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.

    • 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.

    • Economics and Accounting

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

    • 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.

    • 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.

    • 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.

    • Mechanical

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

    • History and Archeology

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

    • Law and Government

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

    • 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.

    • Transportation

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

    • Telecommunications

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

    • 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.

    • 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.

    • Fine Arts

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

    Career Video

    Additional videos and more information available on CareerOneStop

    Pay

    • Ohio Annual Salary 46910/yr
    • Typical Salary
    • Ohio Hourly Wage 22.55/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
    • 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
    • Spreadsheet software
    • Word processing software
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