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Career overview · SOC 43-4041

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.

Also called: Commercial Credit Reviewer · Commercial Loan Reviewer · Credit Investigator · Credit Processor · Credit Representative

Median pay (national)
$49,130
$34,590–$71,730 (10th–90th)
Employed (US)
11,960
BLS OEWS, May 2024
Outlook 2024–34
-6.2%
~1,000 openings/yr
Typical entry
High school diploma or equivalent

What the numbers say

Refit analysis ·Pay for credit authorizers, checkers, and clerks shows a broad range: the top 10% earn $71,730 versus $34,590 at the bottom 10% — 2.1x. The median of $49,130 leaves roughly 46% of headroom to the 90th percentile, which is where seniority, specialization, and the skills below tend to pay off.
Refit analysis ·Employment is projected to change -6.2% from 2024 to 2034 — a projected decline, against +3% across all occupations. Even so, BLS projects about 1,000 openings a year, mostly to replace workers who retire or change careers.
Refit analysis ·Where you work moves the number a lot. Across the 35 states with released data, Illinois pays the most for this role (median $65,270, +33% vs the national median), while Georgia sits lowest at $28,990 — a 125% spread for the same job title.
Refit analysis ·O*NET rates Reading Comprehension, Active Listening, Speaking as the highest-importance skills here — so a resume aimed at this role should lead with evidence of those, not a generic skills list. On the tools side, O*NET flags Microsoft Excel, Microsoft Office software, Microsoft Outlook, Microsoft PowerPoint as in-demand technologies for this role.

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Top skills employers ask for

Ranked by O*NET importance for this occupation.

  • Reading Comprehension
  • Active Listening
  • Speaking
  • Critical Thinking
  • Writing
  • Monitoring
  • Active Learning
  • Mathematics
  • Learning Strategies
  • Science

What they actually do

Core O*NET tasks for this role.

  • 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.
  • Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.
  • File sales slips in customers' ledgers for billing purposes.
  • Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.
  • Mail charge statements to customers.
  • Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.
  • Relay credit report information to subscribers by mail or by telephone.

Tools & technology

  • Microsoft Excel
  • Microsoft Office software
  • Microsoft Outlook
  • Microsoft PowerPoint
  • Microsoft Word
  • SAP software
  • Structured query language SQL
  • Tableau
  • Equifax software
  • Experian software
  • Financial accounting software
  • Microsoft Internet Explorer
  • Spreadsheet programs
  • Web browser software
  • Email software
  • Microsoft Access

Knowledge areas

  • Customer and Personal Service
  • English Language
  • Mathematics
  • Law and Government
  • Administrative
  • Economics and Accounting
  • Computers and Electronics
  • Administration and Management