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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.
Other titles employers use
Commercial Credit Reviewer · Commercial Loan Reviewer · Credit Investigator · Credit Processor · Credit Representative · Charge Authorizer · Credit Authorizer · Credit Charge Authorizer
Inside the work
What you would actually do.
4 responsibilities that define the role, before job titles and workplaces change the details.
- 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.
Who it suits
Would this work hold your attention?
This career often appeals to people drawn to organizing, persuading and helping work.
- Organizing
- Creating order, checking details, and keeping work accurate
- Persuading
- Leading, selling, starting projects, or making a case
Skills and strengths
What you would get good at.
Compare the skills the work relies on, the subjects behind it, and the abilities that make it easier to learn.
Core skills
- Reading Comprehension
- Active Listening
- Speaking
- Critical Thinking
- Writing
- Social Perceptiveness
Subjects to know
- Customer and Personal Service
- English Language
- Mathematics
- Law and Government
- Administrative
Useful strengths
- Oral Comprehension
- Written Comprehension
- Oral Expression
- Problem Sensitivity
- Near Vision
Working day
Picture yourself doing it.
These measures show how much of the day involves people, movement, conversation, and hands-on work.
| Measure | Out of 5 | What that means here |
|---|---|---|
| Close to other people | 3.5 | Shared rooms, but not shoulder to shoulder |
| On your feet | 1.9 | Mostly seated |
| Talking face to face | 4.7 | Continuous — the job is conversations |
| Working with your hands | 2.3 | Little of the day |
Tools of the work
Technology you may use.
- Data base user interface and query software
- Electronic mail software
- Spreadsheet software
- Office suite software
- Presentation software
- Document management software
- Word processing software
- Enterprise resource planning ERP software
Opportunity near you
See where this work is growing.
Choose a state to compare the size of the field, annual openings, and expected hiring change.
- People doing this work
- 1,650
- Job openings each year
- 140
- Expected hiring change, 2022–2032
- 2.5%
Compare every available state
| State | People doing it | Job openings each year | Expected change |
|---|---|---|---|
| Texas | 1,650 | 140 | 2.5% |
| California | 1,100 | 90 | −8.3% |
| New York | 1,000 | 0 | 3.1% |
| New Jersey | 760 | 60 | −6.2% |
| Florida | 700 | 60 | 2.9% |
| Arizona | 680 | 60 | 3.0% |
| North Carolina | 570 | 50 | −3.4% |
| Michigan | 530 | 40 | −3.6% |
| Nevada | 530 | 50 | 17.8% |
| Indiana | 430 | 40 | −4.4% |
| Utah | 430 | 30 | −8.5% |
| Colorado | 420 | 40 | 5.0% |
| Missouri | 400 | 30 | −7.0% |
| Ohio | 400 | 30 | −2.4% |
| Virginia | 400 | 30 | −7.0% |
| Pennsylvania | 380 | 30 | −2.6% |
| Iowa | 370 | 30 | — |
| Georgia | 350 | 30 | −2.8% |
| Tennessee | 350 | 30 | 2.9% |
| Wisconsin | 330 | 30 | −2.9% |
| South Dakota | 260 | 20 | −7.1% |
| Washington | 250 | 20 | — |
| Louisiana | 240 | 20 | −14.3% |
| South Carolina | 220 | 20 | 15.8% |
| Alabama | 190 | 20 | — |
| Puerto Rico | 190 | 20 | — |
| Oklahoma | 180 | 10 | — |
| Oregon | 170 | 10 | −5.6% |
| Maryland | 150 | 10 | −6.3% |
| Arkansas | 140 | 10 | — |
| Maine | 130 | 10 | −7.1% |
| Nebraska | 120 | 10 | — |
| New Hampshire | 120 | 10 | — |
| North Dakota | 80 | 10 | — |
| Mississippi | 70 | 10 | — |
| Idaho | 20 | 0 | — |
Career to college
Build a path toward this work.
Start with a related major, then compare colleges where students complete that field.
Where to study
Colleges with strong activity in these fields.
Start with program size, admission, and likely cost. Open a college for the full picture.
CUNY Bernard M Baruch College
- Degrees each year
- 891
- Admit rate
- 50%
- Annual cost after aid
- $6,000
Program entryApply after enrollment
Open college OHOhio State University-Main Campus
- Degrees each year
- 817
- Admit rate
- 51%
- Annual cost after aid
- $10,000
Program entryOpen major
Open college FLFlorida State University
- Degrees each year
- 703
- Admit rate
- 25%
- Annual cost after aid
- $10,000
Program entryApply after enrollment
Open college SCUniversity of South Carolina-Columbia
- Degrees each year
- 597
- Admit rate
- 61%
- Annual cost after aid
- $20,000
Program entryOpen major
Open college PAPennsylvania State University-Main Campus
- Degrees each year
- 577
- Admit rate
- 54%
- Annual cost after aid
- $26,000
Program entryDirect to major
Open college FLFlorida International University
- Degrees each year
- 573
- Admit rate
- 59%
- Annual cost after aid
- $11,000
Program entryOpen major
Open college ALThe University of Alabama
- Degrees each year
- 572
- Admit rate
- 76%
- Annual cost after aid
- $22,000
Program entryOpen major
Open college GAUniversity of Georgia
- Degrees each year
- 545
- Admit rate
- 37%
- Annual cost after aid
- $13,000
Program entryApply after enrollment
Open collegeCompare every college offering finance and financial management services