Credit Authorizers, Checkers, and Clerks

• Summary

• Details

Work Activities

• Compile and analyze credit information gathered by investigation.
• File sales slips in customers' ledgers for billing purposes.
• Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
• Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.
• Prepare credit cards or charge account plates.
• Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.
• Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.
• Keep records of customers' charges and payments.
• Compile and analyze credit information gathered by investigation.
• Mail charge statements to customers.
• Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.
• Relay credit report information to subscribers by mail or by telephone.

Skills

• Quality Control Analysis
  • Testing how well a product or service works.
• Management of Financial Resources
  • Making spending decisions and keeping track of what is spent.
• Programming
  • Writing computer programs.
• Complex Problem Solving
  • Noticing a problem and figuring out the best way to solve it.
• Operations Analysis
  • Figuring out what a product or service needs to be able to do.
• Social Perceptiveness
  • Understanding people's reactions.
• Installation
  • Installing equipment, machines, wiring, or computer programs.
• Monitoring
  • Keeping track of how well people and/or groups are doing in order to make improvements.
• Writing
  • Writing things for co-workers or customers.
• Technology Design
  • Making equipment and technology useful for customers.
• Speaking
  • Talking to others.
• Mathematics
  • Using math to solve problems.
• Service Orientation
  • Looking for ways to help people.
• Science
  • Using scientific rules and strategies to solve problems.
• Learning Strategies
  • Using the best training or teaching strategies for learning new things.
• Management of Material Resources
  • Managing equipment and materials.
• Management of Personnel Resources
  • Selecting and managing the best workers for a job.
• Operations Monitoring
  • Watching gauges, dials, or display screens to make sure a machine is working.
• Repairing
  • Repairing machines or systems using the right tools.
• Operation and Control
  • Using equipment or systems.
• Systems Analysis
  • Figuring out how a system should work and how changes in the future will affect it.
• Systems Evaluation
  • Measuring how well a system is working and how to improve it.
• Judgment and Decision Making
  • Thinking about the pros and cons of different options and picking the best one.
• Troubleshooting
  • Figuring out what is causing equipment, machines, wiring, or computer programs to not work.
• Time Management
  • Managing your time and the time of other people.
• Equipment Maintenance
  • Planning and doing the basic maintenance on equipment.
• Active Listening
  • Listening to others, not interrupting, and asking good questions.
• Critical Thinking
  • Thinking about the pros and cons of different ways to solve a problem.
• Instructing
  • Teaching people how to do something.
• Persuasion
  • Talking people into changing their minds or their behavior.
• Coordination
  • Changing what is done based on other people's actions.
• Equipment Selection
  • Deciding what kind of tools and equipment are needed to do a job.
• Active Learning
  • Figuring out how to use new ideas or things.
• Negotiation
  • Bringing people together to solve differences.
• Reading Comprehension
  • Reading work-related information.

Abilities

• Flexibility of Closure
  • Seeing hidden patterns.
• Manual Dexterity
  • Holding or moving items with your hands.
• Wrist-Finger Speed
  • Making fast, simple, repeated movements of your fingers, hands, and wrists.
• Spatial Orientation
  • Knowing where things are around you.
• Perceptual Speed
  • Quickly comparing groups of letters, numbers, pictures, or other things.
• Finger Dexterity
  • Putting together small parts with your fingers.
• Dynamic Flexibility
  • Quickly and repeatedly bending, stretching, twisting, or reaching out with your body, arms, and/or legs.
• Information Ordering
  • Ordering or arranging things.
• Multilimb Coordination
  • Using your arms and/or legs together while sitting, standing, or lying down.
• Explosive Strength
  • Jumping, sprinting, or throwing something.
• Near Vision
  • Seeing details up close.
• Time Sharing
  • Doing two or more things at the same time.
• Problem Sensitivity
  • Noticing when problems happen.
• Response Orientation
  • Quickly deciding if you should move your hand, foot, or other body part.
• Sound Localization
  • Noticing the direction that a sound came from.
• Reaction Time
  • Quickly moving your hand, finger, or foot based on a sound, light, picture or other command.
• Deductive Reasoning
  • Using rules to solve problems.
• Hearing Sensitivity
  • Telling the difference between sounds.
• Fluency of Ideas
  • Coming up with lots of ideas.
• Mathematical Reasoning
  • Choosing the right type of math to solve a problem.
• Selective Attention
  • Paying attention to something without being distracted.
• Dynamic Strength
  • Exercising for a long time without your muscles getting tired.
• Extent Flexibility
  • Bending, stretching, twisting, or reaching with your body, arms, and/or legs.
• Inductive Reasoning
  • Making general rules or coming up with answers from lots of detailed information.
• Static Strength
  • Lifting, pushing, pulling, or carrying.
• Gross Body Coordination
  • Moving your arms, legs, and mid-section together while your whole body is moving.
• Category Flexibility
  • Grouping things in different ways.
• Speed of Limb Movement
  • Quickly moving your arms and legs.
• Oral Comprehension
  • Listening and understanding what people say.
• Visualization
  • Imagining how something will look after it is moved around or changed.
• Auditory Attention
  • Paying attention to one sound while there are other distracting sounds.
• Memorization
  • Remembering words, numbers, pictures, or steps.
• Rate Control
  • Changing when and how fast you move based on how something else is moving.
• Trunk Strength
  • Using your lower back and stomach.
• Visual Color Discrimination
  • Noticing the difference between colors, including shades and brightness.
• Speed of Closure
  • Quickly knowing what you are looking at.
• Stamina
  • Exercising for a long time without getting out of breath.
• Night Vision
  • Seeing at night or under low light.
• Gross Body Equilibrium
  • Keeping your balance or staying upright.
• Control Precision
  • Quickly changing the controls of a machine, car, truck or boat.
• Glare Sensitivity
  • Seeing something even if there is a glare or very bright light.
• Written Expression
  • Communicating by writing.
• Depth Perception
  • Deciding which thing is closer or farther away from you, or deciding how far away it is from you.
• Oral Expression
  • Communicating by speaking.
• Far Vision
  • Seeing details that are far away.
• Originality
  • Creating new and original ideas.
• Arm-Hand Steadiness
  • Keeping your arm or hand steady.
• Speech Clarity
  • Speaking clearly.
• Number Facility
  • Adding, subtracting, multiplying, or dividing.
• Peripheral Vision
  • Seeing something to your side when your are looking ahead.
• Written Comprehension
  • Reading and understanding what is written.
• Speech Recognition
  • Recognizing spoken words.

Knowledge

• English Language
  • Knowledge of the structure and content of the English language including the meaning and spelling of words, and rules of composition and grammar.
• Communications and Media
  • Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.
• Therapy and Counseling
  • Knowledge of principles, methods, and procedures for diagnosis, treatment, and rehabilitation of physical and mental dysfunctions, and for career counseling and guidance.
• Law and Government
  • Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
• Education and Training
  • Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.
• Telecommunications
  • Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.
• Philosophy and Theology
  • Knowledge of different philosophical systems and religions. This includes their basic principles, values, ethics, ways of thinking, customs, practices, and their impact on human culture.
• Biology
  • Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.
• 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.
• 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.
• Computers and Electronics
  • Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.
• Chemistry
  • Knowledge of the chemical composition, structure, and properties of substances and of the chemical processes and transformations that they undergo. This includes uses of chemicals and their interactions, danger signs, production techniques, and disposal methods.
• Medicine and Dentistry
  • Knowledge of the information and techniques needed to diagnose and treat human injuries, diseases, and deformities. This includes symptoms, treatment alternatives, drug properties and interactions, and preventive health-care measures.
• Public Safety and Security
  • Knowledge of relevant equipment, policies, procedures, and strategies to promote effective local, state, or national security operations for the protection of people, data, property, and institutions.
• History and Archeology
  • Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.
• Foreign Language
  • Knowledge of the structure and content of a foreign (non-English) language including the meaning and spelling of words, rules of composition and grammar, and pronunciation.
• Sales and Marketing
  • Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.
• Economics and Accounting
  • Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.
• Production and Processing
  • Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.
• Design
  • Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models.
• Mathematics
  • Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
• Building and Construction
  • Knowledge of materials, methods, and the tools involved in the construction or repair of houses, buildings, or other structures such as highways and roads.
• Physics
  • Knowledge and prediction of physical principles, laws, their interrelationships, and applications to understanding fluid, material, and atmospheric dynamics, and mechanical, electrical, atomic and sub-atomic structures and processes.
• Personnel and Human Resources
  • Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems.
• Engineering and Technology
  • Knowledge of the practical application of engineering science and technology. This includes applying principles, techniques, procedures, and equipment to the design and production of various goods and services.
• Mechanical
  • Knowledge of machines and tools, including their designs, uses, repair, and maintenance.
• Sociology and Anthropology
  • Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures, and their history and origins.
• Transportation
  • Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.
• Food Production
  • Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.
• Psychology
  • Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders.
• 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.
• Fine Arts
  • Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture.
• Geography
  • Knowledge of principles and methods for describing the features of land, sea, and air masses, including their physical characteristics, locations, interrelationships, and distribution of plant, animal, and human life.

Education

Education

High school diploma or equivalent

Work Experience

No work experience

Training

1 to 12 months on-the-job training

Education and Training Opportunities

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Education and Training Opportunities

• Skagit Valley College
  2405 E. College Way, Mount Vernon WA 98273
  School Type

  Public, 4-year or above

  Admissions
  School Size

  1,000 - 4,999

  Financial Aid 360-416-7600
  Other Degrees Offered

  Undergraduate degree or certificate offering,No graduate offering
  Website

  http://www.skagit.edu/
  Program Name
  Banking and Financial Support Services
  Length
  2 years
  Award Level
  Associate's degree
  Save

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• Whatcom Community College
  237 W Kellogg Rd, Bellingham WA 98226
  School Type

  Public, 4-year or above

  Admissions
  School Size

  1,000 - 4,999

  Financial Aid 360-383-3000
  Other Degrees Offered

  Undergraduate degree or certificate offering,No graduate offering
  Website

  http://whatcom.edu/
  Program Name
  Banking and Financial Support Services
  Length
  Certificates of at least 12 weeks but less than 1 year
  Award Level
  Certificates of at least 12 weeks but less than 1 year, Associate's degree
  Save

  ---

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Pay

Washington Annual Salary

53220/yr

Washington Hourly Wage

25.59/hr

Washington Employment Trends

Currently Employed

250

Yearly Projected Openings

20

Personality

Conventional: People interested in this work like activities that include data, detail, and regular routines. They do well at jobs that need:

• Cautiousness
• Integrity
• Attention to Detail
• Dependability

Tools

• Laser fax machine
• Laser printers
• Magnetic stripe readers and encoders
• Personal computers
• Photocopiers
• Printer calculator
• Scanners
• Special purpose telephones
• Typewriters

Technology

• Accounting software
• Business intelligence and data analysis software
• Data base user interface and query software
• Document management software
• Electronic mail software
• Enterprise resource planning ERP software
• Financial analysis software
• Internet browser software
• Office suite software
• Presentation software
• Spreadsheet software
• Word processing software