Credit Authorizers, Checkers, and Clerks

• Summary

• Details

Work Activities

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

Skills

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

Abilities

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

Knowledge

• Production and Processing
  • Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.
• 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.
• 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.
• Mechanical
  • Knowledge of machines and tools, including their designs, uses, repair, and maintenance.
• Mathematics
  • Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
• 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.
• 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.
• 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.
• 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.
• Design
  • Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models.
• English Language
  • Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
• 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.
• Biology
  • Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.
• Food Production
  • Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.
• Transportation
  • Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.
• 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.
• 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.
• 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.
• 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.
• 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.
• Fine Arts
  • Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture.
• 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.
• 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.
• 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.
• Economics and Accounting
  • Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.
• Sociology and Anthropology
  • Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures, and their history and origins.
• History and Archeology
  • Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.
• Computers and Electronics
  • Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.
• 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.
• 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.
• 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.
• Law and Government
  • Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
• Telecommunications
  • Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.

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

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

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• Walla Walla Community College
  500 Tausick Way, Walla Walla WA 99362-9267
  School Type

  Public, 4-year or above

  Admissions
  School Size

  1,000 - 4,999

  Financial Aid 509-522-2500
  Other Degrees Offered

  Undergraduate degree or certificate offering,No graduate offering
  Website

  https://www.wwcc.edu/
  Program Name
  Banking and Financial Support Services
  Length
  2 years
  Award Level
  Associate's degree, Award of at least 1 but less than 2 academic years
  Save

  ---

• 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

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

  ---

Close

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:

• Integrity
• Cooperation
• Dependability
• Attention to Detail
• Self Control
• Stress Tolerance

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
• Electronic mail software
• Enterprise resource planning ERP software
• Financial analysis software
• Internet browser software
• Office suite software
• Presentation software
• Project management software
• Spreadsheet software
• Word processing software