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 —
Deal With External Customers —
Work With Work Group or Team —
Structured versus Unstructured Work —
Impact of Decisions on Co-workers or Company Results —
Frequency of Decision Making —
Letters and Memos —
Freedom to Make Decisions —
Importance of Repeating Same Tasks —
Frequency of Conflict Situations —
Indoors, Environmentally Controlled —
Spend Time Making Repetitive Motions —
Deal With Unpleasant or Angry People —
Coordinate or Lead Others —
Responsibility for Outcomes and Results —
Physical Proximity —
Level of Competition —
Consequence of Error —
Sounds, Noise Levels Are Distracting or Uncomfortable —
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.
Organizing, Planning, and Prioritizing Work — Developing specific goals and plans to prioritize, organize, and accomplish your work.
Resolving Conflicts and Negotiating with Others — Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.
Making Decisions and Solving Problems — Analyzing information and evaluating results to choose the best solution and solve problems.
Analyzing Data or Information — Identifying the underlying principles, reasons, or facts of information by breaking down information or data into separate parts.
Training and Teaching Others — Identifying the educational needs of others, developing formal educational or training programs or classes, and teaching or instructing others.
Interpreting the Meaning of Information for Others — Translating or explaining what information means and how it can be used.
Developing and Building Teams — Encouraging and building mutual trust, respect, and cooperation among team members.
Performing for or Working Directly with the Public — Performing for people or dealing directly with the public. This includes serving customers in restaurants and stores, and receiving clients or guests.
Performing Administrative Activities — Performing day-to-day administrative tasks such as maintaining information files and processing paperwork.
Evaluating Information to Determine Compliance with Standards — Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards.
Identifying Objects, Actions, and Events — Identifying information by categorizing, estimating, recognizing differences or similarities, and detecting changes in circumstances or events.
Coordinating the Work and Activities of Others — Getting members of a group to work together to accomplish tasks.
Coaching and Developing Others — Identifying the developmental needs of others and coaching, mentoring, or otherwise helping others to improve their knowledge or skills.
Selling or Influencing Others — Convincing others to buy merchandise/goods or to otherwise change their minds or actions.
Estimating the Quantifiable Characteristics of Products, Events, or Information — Estimating sizes, distances, and quantities; or determining time, costs, resources, or materials needed to perform a work activity.
Monitoring and Controlling Resources — Monitoring and controlling resources and overseeing the spending of money.
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.
Law and Government
Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
Clerical
Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.
Economics and Accounting
Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
Computers and Electronics
Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.
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.
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.
Writing
Communicating effectively in writing as appropriate for the needs of the audience.
Judgment and Decision Making
Considering the relative costs and benefits of potential actions to choose the most appropriate one.
Social Perceptiveness
Being aware of others' reactions and understanding why they react as they do.
Time Management
Managing one's own time and the time of others.
Active Learning
Understanding the implications of new information for both current and future problem-solving and decision-making.
Coordination
Adjusting actions in relation to others' actions.
Complex Problem Solving
Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.
Monitoring
Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.
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.
Near Vision
The ability to see details at close range (within a few feet of the observer).
Speech Clarity
The ability to speak clearly so others can understand you.
Speech Recognition
The ability to identify and understand the speech of another person.
Problem Sensitivity
The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem.
Inductive Reasoning
The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).
Information Ordering
The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).
Deductive Reasoning
The ability to apply general rules to specific problems to produce answers that make sense.