Credit authorizers, checkers, and clerks authorize credit charges against customers' accounts. Investigate the 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.

  • 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.
  • Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
  • Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.
  • File sales slips in customers' ledgers for billing purposes.
  • 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.
  • 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.
Work Context
  • Telephone
  • Contact With Others
  • Electronic Mail
  • Importance of Being Exact or Accurate
  • Face-to-Face Discussions
  • Spend Time Sitting
  • Time Pressure
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Work Activities
  • Getting Information — Observing, receiving, and otherwise obtaining information from all relevant sources.
  • Interacting With Computers — Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.
  • Communicating with Persons Outside Organization — 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.
  • Communicating with Supervisors, Peers, or Subordinates — Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.
  • Documenting/Recording Information — Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.
  • Processing Information — Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.
  • Establishing and Maintaining Interpersonal Relationships — Developing constructive and cooperative working relationships with others, and maintaining them over time.
  • Updating and Using Relevant Knowledge — Keeping up-to-date technically and applying new knowledge to your job.
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Detailed Work Activities
  • Maintain financial or account records.
  • Compile data or documentation.
  • Analyze financial information.
  • Obtain personal or financial information about customers or applicants.
  • Interview employees, customers, or others to collect information.
  • Analyze financial information.
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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.
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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.
Critical Thinking
  • Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
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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.
Written Expression
  • The ability to communicate information and ideas in writing so others will understand.
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Personality

People interested in this work like activities that include ideas, thinking, and figuring things out.
They do well at jobs that need:
  • Achievement/Effort
  • Persistence
  • Initiative
  • Leadership
  • Cooperation
  • Concern for Others
  • Social Orientation
  • Self Control
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Technology

You might use software like this on the job:

Data base user interface and query software
  • Data entry software Hot Technology
  • Microsoft Access Hot Technology
Enterprise resource planning ERP software
  • SAP Hot Technology
Word processing software
  • Microsoft Word Hot Technology
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