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Credit Authorizers, Checkers, and Clerks Occupation Detailed Description

Credit Authorizers, Checkers, and Clerks career

General Job Description and Education/Training Levels for Credit Authorizers, Checkers, and Clerks

The main tasks and work activities of Credit Authorizers, Checkers, and Clerks are to maintain financial or account records, analyze financial information, file documents or records, obtain personal or financial information about customers or applicants. In general, for the Credit Authorizers, Checkers, and Clerks, active Listening, speaking, reading Comprehension, critical Thinking and other 10 skills are required.
Credit Authorizers, Checkers, and Clerks Job Description
EducationMost occupations in this zone require training in vocational schools, related on-the-job experience, or an associate's degree.
Related ExperiencePrevious work-related skill, knowledge, or experience is required for these occupations. For example, an electrician must have completed three or four years of apprenticeship or several years of vocational training, and often must have passed a licensing exam, in order to perform the job.
Job TrainingEmployees in these occupations usually need one or two years of training involving both on-the-job experience and informal training with experienced workers. A recognized apprenticeship program may be associated with these occupations.
ExampleThese occupations usually involve using communication and organizational skills to coordinate, supervise, manage, or train others to accomplish goals. Examples include hydroelectric production managers, travel guides, electricians, agricultural technicians, barbers, court reporters, and medical assistants.
The following chart shows the education/training levels for Credit Authorizers, Checkers, and Clerks jobs. 57.98% of Credit Authorizers, Checkers, and Clerks have High School Diploma (or the equivalent) and 2.05% of Credit Authorizers, Checkers, and Clerks have Post-Secondary Certificate.
Less than a High School Diploma
3.22%
High School Diploma (or the equivalent)
57.98%
Post-Secondary Certificate
2.05%
Some College Courses
11.38%
Associate's Degree (or other 2-year degree)
2.39%
Bachelor's Degree and Above
22.98%

Tasks and Work Activities of Credit Authorizers, Checkers, and Clerks

  • Keep records of customers' charges and payments.
  • 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.
  • Prepare credit cards or charge account plates.
  • 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.
  • Prepare reports of findings and recommendations, using typewriters or computers.
  • Contact former employers and other acquaintances to verify applicants' references, employment, health history, and social behavior.
  • 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.
  • Interacting With ComputersUsing computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.
  • Getting InformationObserving, receiving, and otherwise obtaining information from all relevant sources.
  • Communicating with Supervisors, Peers, or SubordinatesProviding information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.
  • Documenting/Recording InformationEntering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.
  • Analyzing Data or InformationIdentifying the underlying principles, reasons, or facts of information by breaking down information or data into separate parts.
  • Communicating with Persons Outside OrganizationCommunicating 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.
  • Processing InformationCompiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.
  • Organizing, Planning, and Prioritizing WorkDeveloping specific goals and plans to prioritize, organize, and accomplish your work.
  • Establishing and Maintaining Interpersonal RelationshipsDeveloping constructive and cooperative working relationships with others, and maintaining them over time.
  • Identifying Objects, Actions, and EventsIdentifying information by categorizing, estimating, recognizing differences or similarities, and detecting changes in circumstances or events.
  • Maintain financial or account records.
  • Analyze financial information.
  • File documents or records.
  • Obtain personal or financial information about customers or applicants.
  • Send information, materials or documentation.
  • Execute sales or other financial transactions.
  • Compile data or documentation.
  • Interview employees, customers, or others to collect information.
  • Prepare documentation for contracts, transactions, or regulatory compliance.
  • Search files, databases or reference materials to obtain needed information.
  • Discuss account status or activity with customers or patrons.

Skills and Abilities for Credit Authorizers, Checkers, and Clerks

  • Active ListeningGiving 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.
  • SpeakingTalking to others to convey information effectively.
  • Reading ComprehensionUnderstanding written sentences and paragraphs in work related documents.
  • Critical ThinkingUsing logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
  • WritingCommunicating effectively in writing as appropriate for the needs of the audience.
  • Judgment and Decision MakingConsidering the relative costs and benefits of potential actions to choose the most appropriate one.
  • Social PerceptivenessBeing aware of others' reactions and understanding why they react as they do.
  • Time ManagementManaging one's own time and the time of others.
  • Complex Problem SolvingIdentifying complex problems and reviewing related information to develop and evaluate options and implement solutions.
  • CoordinationAdjusting actions in relation to others' actions.
  • Active LearningUnderstanding the implications of new information for both current and future problem-solving and decision-making.
  • NegotiationBringing others together and trying to reconcile differences.
  • MonitoringMonitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.
  • Oral ExpressionThe ability to communicate information and ideas in speaking so others will understand.
  • Written ComprehensionThe ability to read and understand information and ideas presented in writing.
  • Oral ComprehensionThe ability to listen to and understand information and ideas presented through spoken words and sentences.
  • Written ExpressionThe ability to communicate information and ideas in writing so others will understand.
  • Problem SensitivityThe 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.
  • Near VisionThe ability to see details at close range (within a few feet of the observer).
  • Information OrderingThe 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).
  • Speech ClarityThe ability to speak clearly so others can understand you.
  • Speech RecognitionThe ability to identify and understand the speech of another person.
  • Inductive ReasoningThe ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).
  • Deductive ReasoningThe ability to apply general rules to specific problems to produce answers that make sense.
  • Category FlexibilityThe ability to generate or use different sets of rules for combining or grouping things in different ways.
  • Selective AttentionThe ability to concentrate on a task over a period of time without being distracted.
  • Scannerse.g. Computer data input scanners
  • Photocopierse.g. Copy machines
  • Magnetic stripe readers and encoderse.g. Credit card processing machines
  • Laser fax machinee.g. Laser facsimile machines
  • Special purpose telephonese.g. Multiline telephone systems
  • Personal computerse.g. Personal computers
  • Scannerse.g. Computer data input scanners
  • Laser printerse.g. Computer laser printers
  • Photocopierse.g. Copy machines
  • Typewriterse.g. Electric typewriters
  • Special purpose telephonese.g. Multiline telephone systems
  • Personal computerse.g. Personal computers
  • Printer calculatore.g. Printing calculators
  • English LanguageKnowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
  • Customer and Personal ServiceKnowledge 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.
  • Computers and ElectronicsKnowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.
  • MathematicsKnowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
  • Law and GovernmentKnowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
  • Economics and AccountingKnowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
  • Administration and ManagementKnowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.
  • ClericalKnowledge 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.
  • TransportationKnowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.