Credit Authorizers, Checkers, and Clerks
Career Cluster
Business, Marketing, and Finance
Focuses on making businesses more efficient and productive. In this field, you'll plan, organize, direct, and assess businesses.
Learn more about this clusterAt a glance
Expected pay range
Expected pay range
This represents the median earnings for this career in the selected county or state. In the range shown, 25% of workers earned less than the bottom salary and 25% earned more than the top salary. Data is provided by the Texas Workforce Commission.
Monthly cost of living
These numbers give you an idea of how much you can spend each month on common expenses with this salary. Percentages are the average a person with no children spends according to data collected by the Bureau of Labor Statistics. (external link opens new tab) These numbers are a starting point and will differ person to person.
Your actual expenses may differ from those listed. You’ll need to account for the amount taken out in taxes each month. Learn more about income tax expenses. (external link opens new tab) Your student loan payments may also differ. To calculate your student loan payments, use the federal student loan repayment estimator. (external link opens new tab)
About credit authorizers, checkers, and clerks
What they do
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
Commercial Credit Reviewer, Commercial Loan Reviewer, Credit Investigator, Credit Processor, Credit Representative
Skills they need
- 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.
- Reading Comprehension - Understanding written sentences and paragraphs in work-related documents.
- Speaking - Talking to others to convey information effectively.
- Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
- Social Perceptiveness - Being aware of others' reactions and understanding why they react as they do.
- Time Management - Managing one's own time and the time of others.
- Writing - Communicating effectively in writing as appropriate for the needs of the audience.
- Coordination - Adjusting actions in relation to others' actions.
- Judgment and Decision Making - Considering the relative costs and benefits of potential actions to choose the most appropriate one.
- Monitoring - Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.
- Service Orientation - Actively looking for ways to help people.
- Complex Problem Solving - Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.
Licenses and Certifications they may hold
How to decide which one is right? That depends on an individual’s career path, specialty, and resources.
Certifications
Certifications may be available for this career and can help build knowledge and skills in specific job roles. Explore available certifications (external link opens new tab)
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- American Bankers Association (external link opens new tab)
- Mortgage Bankers Association (external link opens new tab)
- National Association of Credit Management (external link opens new tab)
- National Association of Federally-Insured Credit Unions (external link opens new tab)
- Occupational Outlook Handbook: Financial clerks (external link opens new tab)