Data & Research
 
* ELMI Occupation Profile - Credit Authorizers, Checkers, and Clerks *
 
Credit Authorizers, Checkers, and Clerks
(O*NET 43-4041.00, SOC 43-4041)
What they do
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.
 
Also called:
Commercial Credit Reviewer, Commercial Loan Reviewer, Credit Investigator, Credit Processor, Credit Representative
 
 
Wages
Wage rates not available for Vermont
but may be for the nation and other states at
CareerOneStop
 
Industries of Employment
United States - 2020
IndustryPercent of total
  • Credit intermediation and related activities
44%
  • Administrative and support services
10%
  • Management of companies and enterprises
7%
  • Merchant wholesalers, durable goods
6%
  • Motor vehicle and parts dealers
4%
More at BLS
 
Knowledge
People in this career often know a lot about:
  • 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.
  • Law and Government
    Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
  • 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.
More at O*NET
 
Skills
People in this career often have these 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.
  • Writing
    Communicating effectively in writing as appropriate for the needs of the audience.
More at O*NET
 
Interests
People in this career often prefer these work environments:
  • Conventional
    Work involves following procedures and regulations to organize information or data, typically in a business setting. Conventional occupations are often associated with office work, accounting, mathematics/statistics, information technology, finance, or human resources.
  • Enterprising
    Work involves managing, negotiating, marketing, or selling, typically in a business setting, or leading or advising people in political and legal situations. Enterprising occupations are often associated with business initiatives, sales, marketing/advertising, finance, management/administration, professional advising, public speaking, politics, or law.
  • Social
    Work involves helping, teaching, advising, assisting, or providing service to others. Social occupations are often associated with social, health care, personal service, teaching/education, or religious activities.
What are your interests? Take the O*NET Interest Profiler
 
Work Styles
People in this career will do well at jobs that need:
  • Integrity
    Job requires being honest and ethical.
  • Dependability
    Job requires being reliable, responsible, and dependable, and fulfilling obligations.
  • Cooperation
    Job requires being pleasant with others on the job and displaying a good-natured, cooperative attitude.
  • Attention to Detail
    Job requires being careful about detail and thorough in completing work tasks.
  • Self-Control
    Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations.
More at O*NET
 
Tasks
On the job, you would:
  • 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.
More at O*NET
 
Related Occupations
More at O*NET
 
 
Career Video
Watch at CareerOneStop with transcript or at YouTube.
 
Projected Employment
Projected employment not available for Vermont
but may be for the nation and other states at
CareerOneStop
 
Education and Experience:
  • Typical education needed for entry
    High school diploma or equivalent
  • Work experience in a related occupation
    None
  • Typical on-the-job training needed to attain competency
    Moderate-term on-the-job training
Based on BLS Education and Training Classifications
 
Physical Work Activity
Performing physical activities that require considerable use of your arms and legs and moving your whole body, such as climbing, lifting, balancing, walking, stooping, and handling materials.
 
  • Physical activity is Somewhat Important
  • Level of activity is Very Low
Importance
Low   High
Level
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Job Zone
Some Preparation Needed
  • Specific Vocational Preparation Range
    (4.0 to < 6.0) - A typical worker will require over 3 months up to and including 1 year of training to achieve average performance in this occupation.
Based on O*Net Job Zones and SVP
 
Abilities
People in this career often have talent in:
  • 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.
  • Near Vision
    The ability to see details at close range (within a few feet of the observer).
More at O*NET
 
Work Activities
In general, what you might do:
  • Getting Information
    Observing, receiving, and otherwise obtaining information from all relevant sources.
  • Working 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 People Outside the 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.
More at O*NET
 
Detailed Work Activities
What you might do in a day:
  • Analyze financial information.
  • Maintain financial or account records.
  • Compile data or documentation.
  • File documents or records.
  • Obtain personal or financial information about customers or applicants.
More at O*NET
 
Other Resources
  • CareerOneStop
    resource for job seekers, students, businessess and career professionals
  • O*NET Online
    nation's primary source of occupational information
 
O*NET in-it

This page includes information from the O*NET 28.0 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.

BLS

This page includes information produced in cooperation with the U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics and State Occupational Projections programs.

 
 
 
 
Vermont.gov State of Vermont Department of Labor