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Date: 09/09/2026

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.

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    Work Activities

    Work Activities

    • Compile and analyze credit information gathered by investigation.
    • Prepare credit cards or charge account plates.
    • 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.
    • File sales slips in customers' ledgers for billing purposes.
    • 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.
    • 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.
    • Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.
    • Keep records of customers' charges and payments.

    Skills

    • Installation

      Installing equipment, machines, wiring, or computer programs.

    • 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.

    • Operations Analysis

      Figuring out what a product or service needs to be able to do.

    • Programming

      Writing computer programs.

    • Complex Problem Solving

      Noticing a problem and figuring out the best way to solve it.

    • Social Perceptiveness

      Understanding people's reactions.

    • Equipment Maintenance

      Planning and doing the basic maintenance on equipment.

    • Judgment and Decision Making

      Thinking about the pros and cons of different options and picking the best one.

    • Persuasion

      Talking people into changing their minds or their behavior.

    • 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.

    • Active Learning

      Figuring out how to use new ideas or things.

    • Time Management

      Managing your time and the time of other people.

    • Troubleshooting

      Figuring out what is causing equipment, machines, wiring, or computer programs to not work.

    • Negotiation

      Bringing people together to solve differences.

    • Reading Comprehension

      Reading work-related information.

    • 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.

    • Operation and Control

      Using equipment or systems.

    • Operations Monitoring

      Watching gauges, dials, or display screens to make sure a machine is working.

    • Repairing

      Repairing machines or systems using the right tools.

    • Systems Evaluation

      Measuring how well a system is working and how to improve it.

    • Management of Material Resources

      Managing equipment and materials.

    • Mathematics

      Using math to solve problems.

    • Monitoring

      Keeping track of how well people and/or groups are doing in order to make improvements.

    • Science

      Using scientific rules and strategies to solve problems.

    • Learning Strategies

      Using the best training or teaching strategies for learning new things.

    • Writing

      Writing things for co-workers or customers.

    • Technology Design

      Making equipment and technology useful for customers.

    • Speaking

      Talking to others.

    • Systems Analysis

      Figuring out how a system should work and how changes in the future will affect it.

    • Management of Personnel Resources

      Selecting and managing the best workers for a job.

    • Service Orientation

      Looking for ways to help people.

    WorkKeys®

    Applied Math
    3
    Workplace Documents
    4
    Graphic Literacy
    4

    Abilities

    • Multilimb Coordination

      Using your arms and/or legs together while sitting, standing, or lying down.

    • Explosive Strength

      Jumping, sprinting, or throwing something.

    • Time Sharing

      Doing two or more things at the same time.

    • Dynamic Flexibility

      Quickly and repeatedly bending, stretching, twisting, or reaching out with your body, arms, and/or legs.

    • Spatial Orientation

      Knowing where things are around you.

    • 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.

    • Perceptual Speed

      Quickly comparing groups of letters, numbers, pictures, or other things.

    • Finger Dexterity

      Putting together small parts with your fingers.

    • Problem Sensitivity

      Noticing when problems happen.

    • Reaction Time

      Quickly moving your hand, finger, or foot based on a sound, light, picture or other command.

    • Sound Localization

      Noticing the direction that a sound came from.

    • Fluency of Ideas

      Coming up with lots of ideas.

    • Deductive Reasoning

      Using rules to solve problems.

    • Response Orientation

      Quickly deciding if you should move your hand, foot, or other body part.

    • Near Vision

      Seeing details up close.

    • Hearing Sensitivity

      Telling the difference between sounds.

    • Information Ordering

      Ordering or arranging things.

    • Number Facility

      Adding, subtracting, multiplying, or dividing.

    • Glare Sensitivity

      Seeing something even if there is a glare or very bright light.

    • Control Precision

      Quickly changing the controls of a machine, car, truck or boat.

    • Depth Perception

      Deciding which thing is closer or farther away from you, or deciding how far away it is from you.

    • Written Comprehension

      Reading and understanding what is written.

    • Arm-Hand Steadiness

      Keeping your arm or hand steady.

    • Far Vision

      Seeing details that are far away.

    • Written Expression

      Communicating by writing.

    • Speech Recognition

      Recognizing spoken words.

    • Originality

      Creating new and original ideas.

    • Peripheral Vision

      Seeing something to your side when your are looking ahead.

    • Speech Clarity

      Speaking clearly.

    • Oral Expression

      Communicating by speaking.

    • Night Vision

      Seeing at night or under low light.

    • Speed of Closure

      Quickly knowing what you are looking at.

    • Visual Color Discrimination

      Noticing the difference between colors, including shades and brightness.

    • Mathematical Reasoning

      Choosing the right type of math to solve a problem.

    • Oral Comprehension

      Listening and understanding what people say.

    • Visualization

      Imagining how something will look after it is moved around or changed.

    • 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.

    • Stamina

      Exercising for a long time without getting out of breath.

    • Extent Flexibility

      Bending, stretching, twisting, or reaching with your body, arms, and/or legs.

    • Gross Body Coordination

      Moving your arms, legs, and mid-section together while your whole body is moving.

    • Gross Body Equilibrium

      Keeping your balance or staying upright.

    • Auditory Attention

      Paying attention to one sound while there are other distracting sounds.

    • Category Flexibility

      Grouping things in different ways.

    • Static Strength

      Lifting, pushing, pulling, or carrying.

    • Inductive Reasoning

      Making general rules or coming up with answers from lots of detailed information.

    • Speed of Limb Movement

      Quickly moving your arms and legs.

    • Selective Attention

      Paying attention to something without being distracted.

    • Dynamic Strength

      Exercising for a long time without your muscles getting tired.

    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.

    • Telecommunications

      Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.

    • 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.

    • 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.

    • 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.

    • 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.

    • 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.

    • Computers and Electronics

      Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.

    • 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.

    • Biology

      Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.

    • 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.

    • Fine Arts

      Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture.

    • Transportation

      Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.

    • 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.

    • 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.

    • Food Production

      Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.

    • History and Archeology

      Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.

    • 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.

    • 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.

    • 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.

    • 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.

    • Production and Processing

      Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.

    • 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.

    • 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.

    • Economics and Accounting

      Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.

    • 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.

    • 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.

    • 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.

    • 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.

    Career Video

    Additional videos and more information available on CareerOneStop

    Pay

    • Ohio Annual Salary 57120/yr
    • Typical Salary
    • Ohio Hourly Wage 27.46/hr
    • Typical Hourly Wage

    Ohio Employment Trends

    • Currently Employed 400
    • Yearly Projected Openings 30

    Typical Education

    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

    Technology

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    The Workforce Supply Tool provides statistics for the occupations in highest demand throughout Ohio.

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