Occupation AtlasCredit Authorizers, Checkers, and Clerks
O*NET · 43-4041.00
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.
57 more
Commercial Credit Officer · Commercial Credit Reviewer · Commercial Loan Reviewer · Commercial Processor · Consumer Credit Analyst · Controller · Credit Adjuster · Credit Administrator · Credit Analyst · Credit and Collections Coordinator · Credit and Collections Specialist · Credit Assistant · Credit Associate · Credit Authorizer · Credit Balance Specialist · Credit Card Specialist · Credit Charge Authorizer · Credit Checker · Credit Clerk · Credit Coordinator · Credit Expert · Credit Historian · Credit Interviewer · Credit Investigator · Credit Letter Specialist · Credit Officer · Credit Operations Processor · Credit Processor · Credit Products Officer · Credit Professional · Credit Rating Checker · Credit Rating Inspector · Credit Reference Clerk · Credit Report Checker · Credit Reporter · Credit Representative · Credit Review Officer · Credit Review Specialist · Credit Reviewer · Credit Risk Officer · Credit Risk Review Officer · Credit Risk Specialist · Credit Services Specialist · Credit Specialist · Credit Verifier · Customer Service Representative · Education Finance Processor · Farm Loan Inspector · Finance Processor · Inspector · Insurance Coordinator · Investigator · Loan Processor · Loan Verifier · Posting Specialist · Regional Credit Officer · Trust Officer
Compare with another occupationCompare with Court, Municipal, and License Clerks
Job Zone
- 1
- 2
- 3
- 4
- 5
Zone 2: Some Preparation Needed
Some preparation. Usually a high school diploma, some previous work-related skill or experience, and a few months to a year of training with experienced workers.
Job Zone is O*NET's rating of how much education, experience and training an occupation typically needs — a property of the work, not of anyone doing it.
Occupational interest profile
CESConventional · Enterprising · Social — the three strongest interests, in order
- C Conventional7.00
- E Enterprising4.48
- S Social3.39
- I Investigative1.87
- R Realistic1.00
- A Artistic1.00
RIASEC (Holland) interests on O*NET's 0–7 scale: what the work draws on, not what any individual prefers. Hover a row for what each dimension means.
Typically associated skills
All 35 O*NET skills, most important first. Importance (1–5) says how much a skill matters here; level (0–7) says how much of it the work calls for, with O*NET's example of a nearby level. Neither is a proficiency rating of a person.
- Active ListeningbasicImportance 3.6Level 3.6Level 4 looks like: Answer inquiries regarding credit references
- Reading ComprehensionbasicImportance 3.6Level 3.5Level 4 looks like: Understand an email from management describing new personnel policies
- SpeakingbasicImportance 3.6Level 3.5Level 4 looks like: Interview applicants to obtain personal and work history
- Critical ThinkingbasicImportance 3.3Level 3.4Level 4 looks like: Evaluate customer complaints and determine appropriate responses
- WritingbasicImportance 3.1Level 3.1Level 4 looks like: Write an email to staff outlining new directives
- Social PerceptivenessImportance 3.1Level 3.0Level 2 looks like: Notice that customers are angry because they have been waiting too long
- Time ManagementImportance 3.1Level 2.8Level 2 looks like: Keep a monthly calendar of appointments
- Judgment and Decision MakingImportance 3.0Level 3.3Level 4 looks like: Evaluate a loan application for degree of risk
- MonitoringbasicImportance 3.0Level 3.0Level 2 looks like: Proofread and correct a letter
- Service OrientationImportance 3.0Level 3.0Level 2 looks like: Ask customers if they would like a cup of coffee
- CoordinationImportance 3.0Level 2.8Level 2 looks like: Schedule appointments for a medical clinic
- InstructingImportance 2.8Level 2.5Level 2 looks like: Instruct a new employee in the use of a timekeeping system
Show the other 23
- Complex Problem SolvingImportance 2.8Level 2.3Level 2 looks like: Lay out tools to complete a job
- PersuasionImportance 2.6Level 2.8Level 2 looks like: Solicit donations for a charity
- Active LearningbasicImportance 2.6Level 2.6Level 2 looks like: Think about the implications of a news article for job opportunities
- Management of Personnel ResourcesImportance 2.6Level 2.4Level 2 looks like: Encourage a coworker who is having difficulty finishing a project
- MathematicsbasicImportance 2.5Level 2.5Level 2 looks like: Count the amount of change to be given to a customer
- Learning StrategiesbasicImportance 2.5Level 2.3Level 2 looks like: Learn a different method of completing a task from a coworker
- NegotiationImportance 2.4Level 2.5Level 2 looks like: Present justification to a manager for altering a work schedule
- Systems AnalysisImportance 2.1Level 1.8Level 2 looks like: Determine how loss of a team member will affect the completion of a job
- Systems EvaluationImportance 2.1Level 1.6Level 2 looks like: Determine why estimates for the time to complete a task are overly optimistic
- Management of Financial ResourcesImportance 1.9Level 1.4Level 2 looks like: Use available funds to buy office supplies and record the amount of the purchase
- Management of Material ResourcesImportance 1.8Level 1.3Level 2 looks like: Reserve a room for a management meeting
- ProgrammingImportance 1.6Level 0.9
- Operations AnalysisImportance 1.3Level —
- Quality Control AnalysisImportance 1.3Level —
- Operation and ControlImportance 1.1Level —
- SciencebasicImportance 1.1Level —
- Equipment MaintenanceImportance 1.0Level —
- Equipment SelectionImportance 1.0Level —
- InstallationImportance 1.0Level —
- Operations MonitoringImportance 1.0Level —
- RepairingImportance 1.0Level —
- Technology DesignImportance 1.0Level —
- TroubleshootingImportance 1.0Level —
Tasks
4 core · 7 supplemental · 5 not yet ratedWhat people in this occupation do, as O*NET records it, core tasks first by importance (1–5).
- Keep records of customers' charges and payments.Importance 4.5
- Compile and analyze credit information gathered by investigation.Importance 4.4
- Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.Importance 4.1
- Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.Importance 4.0
Show the other 12
- Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.Importance 4.6
- File sales slips in customers' ledgers for billing purposes.Importance 4.4
- Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.Importance 3.9
- Mail charge statements to customers.Importance 3.8
- Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.Importance 3.4
- Relay credit report information to subscribers by mail or by telephone.Importance 3.3
- Prepare credit cards or charge account plates.Importance 3.0
- Call customers to collect payment on delinquent accounts.
- Consult with customers to resolve complaints or verify financial or credit transactions.
- Contact former employers and other acquaintances to verify applicants' references, employment, health history, or social behavior.
- Prepare reports of findings and recommendations.
- Review individual or commercial customer files to identify and select delinquent accounts for collection.
Knowledge
Bodies of knowledge the work draws on.
- Customer and Personal ServiceImportance 4.1Level 4.8Level 4 looks like: Be responsible for 10 children at daycare
- English LanguageImportance 3.7Level 4.0Level 4 looks like: Edit an article for a news website
- MathematicsImportance 3.6Level 3.8Level 4 looks like: Analyze data to determine areas with the highest sales
- Law and GovernmentImportance 3.4Level 3.5Level 4 looks like: Prepare documents and title papers for the purchase of a new house
- AdministrativeImportance 3.3Level 4.4Level 4 looks like: Type 30 words per minute
- Economics and AccountingImportance 3.3Level 3.8Level 4 looks like: Develop financial investment programs for individual clients
- Computers and ElectronicsImportance 3.2Level 3.4Level 4 looks like: Use a computer to format a document
- Administration and ManagementImportance 3.1Level 3.4Level 4 looks like: Monitor progress of a project to ensure timely completion
Show all 33
- Sales and MarketingImportance 2.7Level 3.3Level 4 looks like: Introduce clients to a new line of products
- Education and TrainingImportance 2.4Level 2.8
- PsychologyImportance 2.4Level 2.9
- TransportationImportance 2.4Level 1.9Level 1 looks like: Ride a train to work
- Personnel and Human ResourcesImportance 2.3Level 2.2Level 1 looks like: Fill out a medical claim form
- Communications and MediaImportance 2.2Level 2.0Level 1 looks like: Write a thank you note
- TelecommunicationsImportance 2.1Level 1.2Level 1 looks like: Send an email
- Production and ProcessingImportance 1.8Level —
- Public Safety and SecurityImportance 1.8Level —
- GeographyImportance 1.7Level —
- Building and ConstructionImportance 1.5Level —
- Engineering and TechnologyImportance 1.5Level —
- MechanicalImportance 1.5Level —
- DesignImportance 1.3Level —
- Food ProductionImportance 1.3Level —
- Sociology and AnthropologyImportance 1.3Level —
- Therapy and CounselingImportance 1.2Level —
- Foreign LanguageImportance 1.1Level —
- History and ArcheologyImportance 1.1Level —
- Philosophy and TheologyImportance 1.1Level —
- PhysicsImportance 1.1Level —
- BiologyImportance 1.0Level —
- ChemistryImportance 1.0Level —
- Fine ArtsImportance 1.0Level —
- Medicine and DentistryImportance 1.0Level —
Abilities
Enduring capacities the work calls for.
- Oral ComprehensionImportance 3.6Level 3.8Level 4 looks like: Understand a coach's oral instructions for a sport
- Near VisionImportance 3.5Level 3.6
- Oral ExpressionImportance 3.5Level 3.6Level 4 looks like: Give instructions to a lost motorist
- Problem SensitivityImportance 3.5Level 3.0Level 2 looks like: Recognize that an unplugged lamp won't work
- Written ComprehensionImportance 3.5Level 3.5Level 4 looks like: Understand an apartment lease
- Deductive ReasoningImportance 3.3Level 3.1Level 2 looks like: Know that a stalled car can coast downhill
- Inductive ReasoningImportance 3.3Level 3.1Level 4 looks like: Determine the prime suspect based on crime scene evidence
- Speech ClarityImportance 3.3Level 2.9
Show all 52
- Speech RecognitionImportance 3.3Level 3.0Level 2 looks like: Recognize the voice of a coworker
- Written ExpressionImportance 3.1Level 3.3Level 4 looks like: Write a job recommendation for a subordinate
- Information OrderingImportance 3.0Level 3.1Level 2 looks like: Follow the correct steps to make change
- Category FlexibilityImportance 2.8Level 2.9Level 3 looks like: Classify flowers according to size, color, and smell
- Flexibility of ClosureImportance 2.8Level 2.9Level 2 looks like: Detect that your phone is ringing while at a concert
- Mathematical ReasoningImportance 2.6Level 2.5Level 1 looks like: Determine how much 20 oranges will cost when they are priced at 5 for 4 dollars
- Number FacilityImportance 2.6Level 2.5Level 3 looks like: Calculate a discounted price
- Selective AttentionImportance 2.6Level 2.5Level 2 looks like: Answer a business call with coworkers talking nearby
- Speed of ClosureImportance 2.5Level 2.3Level 3 looks like: Recognize a song after hearing only the first few notes
- Perceptual SpeedImportance 2.4Level 2.1Level 2 looks like: Sort mail according to ZIP codes with no time pressure
- Fluency of IdeasImportance 2.3Level 2.3Level 2 looks like: Name four different uses for a screwdriver
- Time SharingImportance 2.3Level 2.0Level 2 looks like: Listen to music while entering numbers into a spreadsheet
- Auditory AttentionImportance 2.1Level 1.4Level 2 looks like: Listen to a lecture while people nearby are talking
- Far VisionImportance 2.1Level 2.0Level 2 looks like: Read a roadside billboard
- MemorizationImportance 2.1Level 2.3Level 1 looks like: Remember the number on your bus to be sure you get back on the right one
- OriginalityImportance 2.1Level 2.1Level 2 looks like: Use a credit card to open a locked door
- Trunk StrengthImportance 2.1Level 1.6Level 2 looks like: Sit up in an office chair
- Wrist-Finger SpeedImportance 2.1Level 1.4Level 2 looks like: Use a screwdriver to twist in a screw
- VisualizationImportance 1.9Level 1.6Level 2 looks like: Imagine how to place paper in a printer so that the letterhead comes out on top
- Dynamic StrengthImportance 1.8Level 0.8
- Glare SensitivityImportance 1.8Level 0.9
- Hearing SensitivityImportance 1.6Level 0.9
- Visual Color DiscriminationImportance 1.6Level 1.0Level 1 looks like: Separate laundry into colors and whites
- Depth PerceptionImportance 1.5Level 0.5
- Manual DexterityImportance 1.3Level —
- Arm-Hand SteadinessImportance 1.1Level —
- Finger DexterityImportance 1.1Level —
- Spatial OrientationImportance 1.1Level —
- Control PrecisionImportance 1.0Level —
- Dynamic FlexibilityImportance 1.0Level —
- Explosive StrengthImportance 1.0Level —
- Extent FlexibilityImportance 1.0Level —
- Gross Body CoordinationImportance 1.0Level —
- Gross Body EquilibriumImportance 1.0Level —
- Multilimb CoordinationImportance 1.0Level —
- Night VisionImportance 1.0Level —
- Peripheral VisionImportance 1.0Level —
- Rate ControlImportance 1.0Level —
- Reaction TimeImportance 1.0Level —
- Response OrientationImportance 1.0Level —
- Sound LocalizationImportance 1.0Level —
- Speed of Limb MovementImportance 1.0Level —
- StaminaImportance 1.0Level —
- Static StrengthImportance 1.0Level —
Work activities
Kinds of activity the work is made of.
- Getting InformationImportance 4.5Level 4.4Level 4 looks like: Review a budget
- Communicating with People Outside the OrganizationImportance 4.4Level 4.2Level 4 looks like: Present information to potential clients about available services
- Working with ComputersImportance 4.4Level 4.1Level 4 looks like: Write software for keeping track of parts in inventory
- Communicating with Supervisors, Peers, or SubordinatesImportance 4.3Level 4.1Level 4 looks like: Report the results of a sales meeting to a supervisor
- Documenting/Recording InformationImportance 4.2Level 3.4Level 4 looks like: Document the results of a crime scene investigation
- Establishing and Maintaining Interpersonal RelationshipsImportance 4.1Level 4.6Level 4 looks like: Maintain good working relationships with almost all coworkers and clients
- Processing InformationImportance 4.1Level 4.1Level 4 looks like: Calculate the adjustments for insurance claims
- Updating and Using Relevant KnowledgeImportance 3.9Level 4.8Level 4 looks like: Keep current on changes in maintenance procedures for repairing sports cars
Show all 41
- Organizing, Planning, and Prioritizing WorkImportance 3.8Level 4.4Level 4 looks like: Plan and adjust a personal to-do list according to changing demands
- Resolving Conflicts and Negotiating with OthersImportance 3.8Level 3.5Level 4 looks like: Get two subordinates to agree about vacation schedules
- Analyzing Data or InformationImportance 3.7Level 3.2Level 4 looks like: Determine the interest cost to finance a new building
- Making Decisions and Solving ProblemsImportance 3.7Level 3.8Level 4 looks like: Select the location for a major retail store
- Interpreting the Meaning of Information for OthersImportance 3.5Level 3.4Level 4 looks like: Interpret how foreign tax laws apply to U.S. exports
- Training and Teaching OthersImportance 3.5Level 2.8
- Developing and Building TeamsImportance 3.4Level 2.7
- Performing for or Working Directly with the PublicImportance 3.4Level 1.9Level 1 looks like: Check tickets at a concert
- Evaluating Information to Determine Compliance with StandardsImportance 3.3Level 3.2Level 4 looks like: Evaluate a complicated insurance claim for compliance with policy terms
- Performing Administrative ActivitiesImportance 3.3Level 2.9
- Coordinating the Work and Activities of OthersImportance 3.2Level 2.6
- Identifying Objects, Actions, and EventsImportance 3.2Level 3.2Level 4 looks like: Judge the suitability of food products for an event
- Coaching and Developing OthersImportance 3.1Level 2.6
- Selling or Influencing OthersImportance 3.1Level 2.4Level 1 looks like: Convince a coworker to assist with an assignment
- Estimating the Quantifiable Characteristics of Products, Events, or InformationImportance 3.0Level 2.0Level 1 looks like: Estimate the size of household furniture to be shipped
- Monitoring and Controlling ResourcesImportance 3.0Level 2.8
- Developing Objectives and StrategiesImportance 2.9Level 2.8
- Assisting and Caring for OthersImportance 2.6Level 1.7Level 1 looks like: Help a coworker complete an assignment
- Judging the Qualities of Objects, Services, or PeopleImportance 2.6Level 2.5Level 1 looks like: Determine whether to remove a tree that has been damaged
- Scheduling Work and ActivitiesImportance 2.6Level 2.2Level 1 looks like: Make appointments for patients using a predetermined schedule
- Guiding, Directing, and Motivating SubordinatesImportance 2.4Level 1.9Level 1 looks like: Work occasionally as a backup supervisor
- Monitoring Processes, Materials, or SurroundingsImportance 2.3Level 2.0Level 1 looks like: Check to see if baking bread is done
- Thinking CreativelyImportance 2.3Level 2.3Level 1 looks like: Change the spacing on a printed report
- Providing Consultation and Advice to OthersImportance 2.0Level 1.4Level 1 looks like: Work in a position that requires little advising of others
- Staffing Organizational UnitsImportance 2.0Level 1.3Level 1 looks like: Work in a position that has minimal staffing requirements
- Performing General Physical ActivitiesImportance 1.8Level —
- Inspecting Equipment, Structures, or MaterialsImportance 1.4Level —
- Controlling Machines and ProcessesImportance 1.2Level —
- Drafting, Laying Out, and Specifying Technical Devices, Parts, and EquipmentImportance 1.2Level —
- Handling and Moving ObjectsImportance 1.2Level —
- Operating Vehicles, Mechanized Devices, or EquipmentImportance 1.2Level —
- Repairing and Maintaining Electronic EquipmentImportance 1.2Level —
- Repairing and Maintaining Mechanical EquipmentImportance 1.1Level —
Work context
The conditions most characteristic of the work, on O*NET's 1–5 context scale.
Technology
17 toolsSoftware used in this work. In demand: among the tools job postings for this occupation name most. Hot: often named in job postings across the economy.
In demand (5)
- Microsoft Excelhot
- Microsoft Office softwarehot
- Microsoft Outlookhot
- Microsoft PowerPointhot
- Microsoft Wordhot
Hot (5; 5 more marked hot above)
- Microsoft Access
- Microsoft SharePoint
- SAP software
- Structured query language SQL
- Tableau
Other tools (7)
- Email software
- Equifax software
- Experian software
- Financial accounting software
- Microsoft Internet Explorer
- Spreadsheet programs
- Web browser software
Related occupations
O*NET's own list of the occupations most related to this one, closest first.
ESCO equivalents
From the official ESCO–O*NET crosswalk, strongest match first. A broader occupation takes in this one; a narrower one is a part of it.
Closest occupations
Compare any occupation →Other O*NET occupations whose importance ratings on the 35 skills both rate are nearest to this one's, with the biggest differences named. A plain rule, not a hidden score.
Court, Municipal, and License Clerks
Average difference 0.2 points · Instructing −0.8, Operations Monitoring +0.6
O*NET · Zone 2 · Compare
Correspondence Clerks
Average difference 0.2 points · Writing +0.9, Instructing −0.5
O*NET · Zone 2 · Compare
Title Examiners, Abstractors, and Searchers
Average difference 0.2 points · Operations Monitoring +0.6, Instructing −0.5
O*NET · Zone 2 · Compare
Tax Preparers
Average difference 0.2 points · Management of Personnel Resources −0.6, Active Learning +0.5
O*NET · Zone 3 · Compare
Bookkeeping, Accounting, and Auditing Clerks
Average difference 0.2 points · Mathematics +0.9, Instructing −0.7
O*NET · Zone 3 · Compare
Insurance Claims and Policy Processing Clerks
Average difference 0.2 points · Operations Monitoring +0.9, Management of Personnel Resources −0.6
O*NET · Zone 2 · Compare
Office Clerks, General
Average difference 0.2 points · Operations Monitoring +1.1, Management of Personnel Resources −0.5
O*NET · Zone 2 · Compare
Brokerage Clerks
Average difference 0.2 points · Operations Monitoring +0.9, Systems Analysis +0.8
O*NET · Zone 3 · Compare
Use this in your own job architecture
BlissPoint Organization Viewer can link a role directly to this occupation and suggest these skills as that role's starting requirements.
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. ESCO occupations and skills are from the European Commission's ESCO classification, and the occupation crosswalk is the official ESCO–O*NET mapping by the ESCO Secretariat with USDOL/ETA. This service uses the ESCO classification of the European Commission. BlissPoint Analytics has modified all or some of this information: skill, task and descriptor ratings are rounded to one decimal, and ESCO occupations show Job Zone and interests copied from a crosswalked O*NET occupation. USDOL/ETA has not approved, endorsed, or tested these modifications.