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Credit Authorizers, Checkers, and Clerks

CrowdSourceLawyers.com

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.


Sample of reported job titles: Commercial Credit Reviewer, Commercial Loan Reviewer, Credit Investigator, Credit Processor, Credit Representative


Tasks  |  Technology Skills  |  Tools Used  |  Knowledge  |  Skills  |  Abilities  |  Work Activities  |  Detailed Work Activities  |  Work Context  |  Job Zone  |  Credentials  |  Interests  |  Work Styles  |  Work Values  |  Related Occupations  |  Wages & Employment  |  Job Openings  |  Additional Information


Tasks

Show fewer All 16 displayed
  • Keep records of customers’ charges and payments.See more occupations related to this task.
  • Compile and analyze credit information gathered by investigation.See more occupations related to this task.
  • Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.See more occupations related to this task.
  • Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.See more occupations related to this task.
  • Evaluate customers’ computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.See more occupations related to this task.
  • File sales slips in customers’ ledgers for billing purposes.See more occupations related to this task.
  • Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.See more occupations related to this task.
  • Mail charge statements to customers.See more occupations related to this task.
  • Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.See more occupations related to this task.
  • Relay credit report information to subscribers by mail or by telephone.See more occupations related to this task.
  • Prepare credit cards or charge account plates.See more occupations related to this task.
  • Call customers to collect payment on delinquent accounts.See more occupations related to this task.
  • Consult with customers to resolve complaints or verify financial or credit transactions.See more occupations related to this task.
  • Contact former employers and other acquaintances to verify applicants’ references, employment, health history, or social behavior.See more occupations related to this task.
  • Prepare reports of findings and recommendations.See more occupations related to this task.
  • Review individual or commercial customer files to identify and select delinquent accounts for collection.See more occupations related to this task.

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Technology Skills

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  • Accounting software — Financial accounting softwareSee more occupations related to this technology.
  • Data base user interface and query software — Data entry software Hot technology ; Microsoft Access Hot technologySee more occupations related to this technology.
  • Electronic mail software — Email software; Microsoft Outlook Hot technologySee more occupations related to this technology.
  • Enterprise resource planning ERP software Hot technology — SAP Hot technologySee more occupations related to this technology.
  • Financial analysis software — Equifax software; Experian softwareSee more occupations related to this technology.
  • Internet browser software — Microsoft Internet Explorer; Web browser softwareSee more occupations related to this technology.
  • Office suite software — Microsoft Office Hot technologySee more occupations related to this technology.
  • Presentation software — Microsoft PowerPoint Hot technologySee more occupations related to this technology.
  • Spreadsheet software — Microsoft Excel Hot technology ; Spreadsheet programsSee more occupations related to this technology.
  • Word processing software — Microsoft Word Hot technologySee more occupations related to this technology.

Hot technology Hot Technology — a technology requirement frequently included in employer job postings.

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Knowledge

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  • 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.See more occupations related to this knowledge.
  • English Language — Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.See more occupations related to this knowledge.
  • Mathematics — Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.See more occupations related to this knowledge.
  • 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.See more occupations related to this knowledge.
  • Law and Government — Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.See more occupations related to this knowledge.
  • Economics and Accounting — Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.See more occupations related to this knowledge.
  • Computers and Electronics — Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.See more occupations related to this knowledge.
  • 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.See more occupations related to this knowledge.

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Skills

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  • 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.See more occupations related to this skill.
  • Speaking — Talking to others to convey information effectively.See more occupations related to this skill.
  • Reading Comprehension — Understanding written sentences and paragraphs in work related documents.See more occupations related to this skill.
  • Critical Thinking — Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.See more occupations related to this skill.
  • Writing — Communicating effectively in writing as appropriate for the needs of the audience.See more occupations related to this skill.
  • Judgment and Decision Making — Considering the relative costs and benefits of potential actions to choose the most appropriate one.See more occupations related to this skill.
  • Social Perceptiveness — Being aware of others’ reactions and understanding why they react as they do.See more occupations related to this skill.
  • Time Management — Managing one’s own time and the time of others.See more occupations related to this skill.
  • Active Learning — Understanding the implications of new information for both current and future problem-solving and decision-making.See more occupations related to this skill.
  • Complex Problem Solving — Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.See more occupations related to this skill.
  • Coordination — Adjusting actions in relation to others’ actions.See more occupations related to this skill.
  • Monitoring — Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.See more occupations related to this skill.

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Abilities

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  • Oral Comprehension — The ability to listen to and understand information and ideas presented through spoken words and sentences.See more occupations related to this ability.
  • Oral Expression — The ability to communicate information and ideas in speaking so others will understand.See more occupations related to this ability.
  • Written Comprehension — The ability to read and understand information and ideas presented in writing.See more occupations related to this ability.
  • Written Expression — The ability to communicate information and ideas in writing so others will understand.See more occupations related to this ability.
  • Near Vision — The ability to see details at close range (within a few feet of the observer).See more occupations related to this ability.
  • Speech Clarity — The ability to speak clearly so others can understand you.See more occupations related to this ability.
  • Speech Recognition — The ability to identify and understand the speech of another person.See more occupations related to this ability.
  • 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.See more occupations related to this ability.
  • Inductive Reasoning — The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).See more occupations related to this ability.
  • 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).See more occupations related to this ability.
  • Deductive Reasoning — The ability to apply general rules to specific problems to produce answers that make sense.See more occupations related to this ability.

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Work Activities

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  • Getting Information — Observing, receiving, and otherwise obtaining information from all relevant sources.See more occupations related to this activity.
  • Interacting With Computers — Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.See more occupations related to this activity.
  • 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.See more occupations related to this activity.
  • Communicating with Supervisors, Peers, or Subordinates — Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.See more occupations related to this activity.
  • Documenting/Recording Information — Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.See more occupations related to this activity.
  • Processing Information — Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.See more occupations related to this activity.
  • Establishing and Maintaining Interpersonal Relationships — Developing constructive and cooperative working relationships with others, and maintaining them over time.See more occupations related to this activity.
  • Updating and Using Relevant Knowledge — Keeping up-to-date technically and applying new knowledge to your job.See more occupations related to this activity.
  • Organizing, Planning, and Prioritizing Work — Developing specific goals and plans to prioritize, organize, and accomplish your work.See more occupations related to this activity.
  • Resolving Conflicts and Negotiating with Others — Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.See more occupations related to this activity.
  • Analyzing Data or Information — Identifying the underlying principles, reasons, or facts of information by breaking down information or data into separate parts.See more occupations related to this activity.
  • Making Decisions and Solving Problems — Analyzing information and evaluating results to choose the best solution and solve problems.See more occupations related to this activity.
  • Training and Teaching Others — Identifying the educational needs of others, developing formal educational or training programs or classes, and teaching or instructing others.See more occupations related to this activity.
  • Interpreting the Meaning of Information for Others — Translating or explaining what information means and how it can be used.See more occupations related to this activity.
  • Developing and Building Teams — Encouraging and building mutual trust, respect, and cooperation among team members.See more occupations related to this activity.
  • 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.See more occupations related to this activity.
  • Performing Administrative Activities — Performing day-to-day administrative tasks such as maintaining information files and processing paperwork.See more occupations related to this activity.
  • 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.See more occupations related to this activity.
  • Coordinating the Work and Activities of Others — Getting members of a group to work together to accomplish tasks.See more occupations related to this activity.
  • Identifying Objects, Actions, and Events — Identifying information by categorizing, estimating, recognizing differences or similarities, and detecting changes in circumstances or events.See more occupations related to this activity.
  • Coaching and Developing Others — Identifying the developmental needs of others and coaching, mentoring, or otherwise helping others to improve their knowledge or skills.See more occupations related to this activity.
  • Selling or Influencing Others — Convincing others to buy merchandise/goods or to otherwise change their minds or actions.See more occupations related to this activity.
  • 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.See more occupations related to this activity.
  • Monitoring and Controlling Resources — Monitoring and controlling resources and overseeing the spending of money.See more occupations related to this activity.

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Detailed Work Activities

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  • Analyze financial information.See more occupations related to this activity.
  • Maintain financial or account records.See more occupations related to this activity.
  • Compile data or documentation.See more occupations related to this activity.
  • File documents or records.See more occupations related to this activity.
  • Obtain personal or financial information about customers or applicants.See more occupations related to this activity.
  • Interview employees, customers, or others to collect information.See more occupations related to this activity.
  • Send information, materials or documentation.See more occupations related to this activity.
  • Search files, databases or reference materials to obtain needed information.See more occupations related to this activity.
  • Discuss account status or activity with customers or patrons.See more occupations related to this activity.
  • Execute sales or other financial transactions.See more occupations related to this activity.
  • Collect deposits, payments or fees.See more occupations related to this activity.
  • Correspond with customers to answer questions or resolve complaints.See more occupations related to this activity.
  • Examine financial records.See more occupations related to this activity.
  • Prepare documentation for contracts, transactions, or regulatory compliance.See more occupations related to this activity.

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Work Context

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  • Telephone — How often do you have telephone conversations in this job?See more occupations related to this work context.
  • Contact With Others — How much does this job require the worker to be in contact with others (face-to-face, by telephone, or otherwise) in order to perform it?See more occupations related to this work context.
  • Electronic Mail — How often do you use electronic mail in this job?See more occupations related to this work context.
  • Face-to-Face Discussions — How often do you have to have face-to-face discussions with individuals or teams in this job?See more occupations related to this work context.
  • Importance of Being Exact or Accurate — How important is being very exact or highly accurate in performing this job?See more occupations related to this work context.
  • Deal With External Customers — How important is it to work with external customers or the public in this job?See more occupations related to this work context.
  • Spend Time Sitting — How much does this job require sitting?See more occupations related to this work context.
  • Time Pressure — How often does this job require the worker to meet strict deadlines?See more occupations related to this work context.
  • Work With Work Group or Team — How important is it to work with others in a group or team in this job?See more occupations related to this work context.
  • Frequency of Decision Making — How frequently is the worker required to make decisions that affect other people, the financial resources, and/or the image and reputation of the organization?See more occupations related to this work context.
  • Impact of Decisions on Co-workers or Company Results — What results do your decisions usually have on other people or the image or reputation or financial resources of your employer?See more occupations related to this work context.
  • Letters and Memos — How often does the job require written letters and memos?See more occupations related to this work context.
  • Structured versus Unstructured Work — To what extent is this job structured for the worker, rather than allowing the worker to determine tasks, priorities, and goals?See more occupations related to this work context.
  • Freedom to Make Decisions — How much decision making freedom, without supervision, does the job offer?See more occupations related to this work context.
  • Importance of Repeating Same Tasks — How important is repeating the same physical activities (e.g., key entry) or mental activities (e.g., checking entries in a ledger) over and over, without stopping, to performing this job?See more occupations related to this work context.
  • Frequency of Conflict Situations — How often are there conflict situations the employee has to face in this job?See more occupations related to this work context.
  • Indoors, Environmentally Controlled — How often does this job require working indoors in environmentally controlled conditions?See more occupations related to this work context.
  • Spend Time Making Repetitive Motions — How much does this job require making repetitive motions?See more occupations related to this work context.
  • Deal With Unpleasant or Angry People — How frequently does the worker have to deal with unpleasant, angry, or discourteous individuals as part of the job requirements?See more occupations related to this work context.
  • Coordinate or Lead Others — How important is it to coordinate or lead others in accomplishing work activities in this job?See more occupations related to this work context.
  • Responsibility for Outcomes and Results — How responsible is the worker for work outcomes and results of other workers?See more occupations related to this work context.
  • Physical Proximity — To what extent does this job require the worker to perform job tasks in close physical proximity to other people?See more occupations related to this work context.
  • Level of Competition — To what extent does this job require the worker to compete or to be aware of competitive pressures?See more occupations related to this work context.
  • Consequence of Error — How serious would the result usually be if the worker made a mistake that was not readily correctable?See more occupations related to this work context.
  • Sounds, Noise Levels Are Distracting or Uncomfortable — How often does this job require working exposed to sounds and noise levels that are distracting or uncomfortable?See more occupations related to this work context.

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Job Zone

Title Job Zone Two: Some Preparation Needed
Education These occupations usually require a high school diploma.
Related Experience Some previous work-related skill, knowledge, or experience is usually needed. For example, a teller would benefit from experience working directly with the public.
Job Training Employees in these occupations need anywhere from a few months to one year of working with experienced employees. A recognized apprenticeship program may be associated with these occupations.
Job Zone Examples These occupations often involve using your knowledge and skills to help others. Examples include orderlies, counter and rental clerks, customer service representatives, security guards, upholsterers, and tellers.
SVP Range (4.0 to < 6.0)

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Credentials

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Interests

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Interest code: CES   Want to discover your interests? Take the O*NET Interest Profiler at My Next Move.

  • Conventional — Conventional occupations frequently involve following set procedures and routines. These occupations can include working with data and details more than with ideas. Usually there is a clear line of authority to follow.See more occupations related to this interest.
  • Enterprising — Enterprising occupations frequently involve starting up and carrying out projects. These occupations can involve leading people and making many decisions. Sometimes they require risk taking and often deal with business.See more occupations related to this interest.
  • Social — Social occupations frequently involve working with, communicating with, and teaching people. These occupations often involve helping or providing service to others.See more occupations related to this interest.

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Work Styles

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  • Integrity — Job requires being honest and ethical.See more occupations related to this work style.
  • Cooperation — Job requires being pleasant with others on the job and displaying a good-natured, cooperative attitude.See more occupations related to this work style.
  • Dependability — Job requires being reliable, responsible, and dependable, and fulfilling obligations.See more occupations related to this work style.
  • Attention to Detail — Job requires being careful about detail and thorough in completing work tasks.See more occupations related to this work style.
  • Self Control — Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations.See more occupations related to this work style.
  • Stress Tolerance — Job requires accepting criticism and dealing calmly and effectively with high stress situations.See more occupations related to this work style.
  • Independence — Job requires developing one’s own ways of doing things, guiding oneself with little or no supervision, and depending on oneself to get things done.See more occupations related to this work style.
  • Persistence — Job requires persistence in the face of obstacles.See more occupations related to this work style.
  • Initiative — Job requires a willingness to take on responsibilities and challenges.See more occupations related to this work style.
  • Achievement/Effort — Job requires establishing and maintaining personally challenging achievement goals and exerting effort toward mastering tasks.See more occupations related to this work style.
  • Analytical Thinking — Job requires analyzing information and using logic to address work-related issues and problems.See more occupations related to this work style.
  • Concern for Others — Job requires being sensitive to others’ needs and feelings and being understanding and helpful on the job.See more occupations related to this work style.
  • Leadership — Job requires a willingness to lead, take charge, and offer opinions and direction.See more occupations related to this work style.
  • Adaptability/Flexibility — Job requires being open to change (positive or negative) and to considerable variety in the workplace.See more occupations related to this work style.
  • Social Orientation — Job requires preferring to work with others rather than alone, and being personally connected with others on the job.See more occupations related to this work style.
  • Innovation — Job requires creativity and alternative thinking to develop new ideas for and answers to work-related problems.See more occupations related to this work style.

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Work Values

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  • Support — Occupations that satisfy this work value offer supportive management that stands behind employees. Corresponding needs are Company Policies, Supervision: Human Relations and Supervision: Technical.See more occupations related to this work value.
  • Relationships — Occupations that satisfy this work value allow employees to provide service to others and work with co-workers in a friendly non-competitive environment. Corresponding needs are Co-workers, Moral Values and Social Service.See more occupations related to this work value.
  • Independence — Occupations that satisfy this work value allow employees to work on their own and make decisions. Corresponding needs are Creativity, Responsibility and Autonomy.See more occupations related to this work value.

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Related Occupations

Show fewer All 10 displayed
13-1041.08 Customs Brokers Bright Outlook
13-2072.00 Loan Officers
13-2081.00 Tax Examiners and Collectors, and Revenue Agents
43-3011.00 Bill and Account Collectors
43-3051.00 Payroll and Timekeeping Clerks
43-3061.00 Procurement Clerks
43-4011.00 Brokerage Clerks
43-4031.00 Court, Municipal, and License Clerks Bright Outlook
43-4051.00 Customer Service Representatives   Bright Outlook Bright Outlook
43-9041.00 Insurance Claims and Policy Processing Clerks

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