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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

    • 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.
    • File sales slips in customers' ledgers for billing purposes.
    • 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.
    • 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.

    Skills

    • 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.

    • Speaking

      Talking to others to convey information effectively.

    • Reading Comprehension

      Understanding written sentences and paragraphs in work related documents.

    WorkKeys®

    Applied Math
    3
    Workplace Documents
    4
    Graphic Literacy
    4

    Abilities

    • Oral Comprehension

      The ability to listen to and understand information and ideas presented through spoken words and sentences.

    • Oral Expression

      The ability to communicate information and ideas in speaking so others will understand.

    • Written Comprehension

      The ability to read and understand information and ideas presented in writing.

    Knowledge

    • 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.

    • English Language

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

    • 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 37220/yr
    • Typical Salary
    • Ohio Hourly Wage 17.89/hr
    • Typical Hourly Wage

    Ohio Employment Trends

    • Currently Employed 1,220
    • Yearly Projected Openings 110

    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

    • Photocopiers
    • Personal computers
    • Magnetic stripe readers and encoders
    • Laser printers
    • Laser fax machine

    Technology

    • Spreadsheet software
    • Internet browser software
    • Financial analysis software
    • Electronic mail software
    • Data base user interface and query software
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