Credit Authorizers, Checkers, and Clerks


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

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.

On the job, one would


    KNOWLEDGE


    • 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.

    • English Language
      Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

    • Mathematics
      Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

    • 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.

    SKILLS


    • 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.

    • Speaking
      Talking to others to convey information effectively.

    • Reading Comprehension
      Understanding written sentences and paragraphs in work-related documents.

    • Critical Thinking
      Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.

    • Writing
      Communicating effectively in writing as appropriate for the needs of the audience.

    ABILITIES


    • Oral Comprehension
      The ability to listen to and understand information and ideas presented through spoken words and sentences.

    • Oral Expression
      The ability to communicate information and ideas in speaking so others will understand.

    • Written Comprehension
      The ability to read and understand information and ideas presented in writing.

    • Written Expression
      The ability to communicate information and ideas in writing so others will understand.

    • Near Vision
      The ability to see details at close range (within a few feet of the observer).

    PERSONALITY

    People interested in this work, will do well at jobs that need;

    • Adaptability/Flexibility
      Job requires being open to change (positive or negative) and to considerable variety in the workplace.

    • Social Orientation
      Job requires preferring to work with others rather than alone, and being personally connected with others on the job.

    • Innovation
      Job requires creativity and alternative thinking to develop new ideas for and answers to work-related problems.

    • Integrity
      Job requires being honest and ethical.

    • Cooperation
      Job requires being pleasant with others on the job and displaying a good-natured, cooperative attitude.

    • Dependability
      Job requires being reliable, responsible, and dependable, and fulfilling obligations.

    • Attention to Detail
      Job requires being careful about detail and thorough in completing work tasks.

    • Self-Control
      Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations.

    • Stress Tolerance
      Job requires accepting criticism and dealing calmly and effectively with high-stress situations.

    • Independence
      Job requires developing one's own ways of doing things, guiding oneself with little or no supervision, and depending on oneself to get things done.

    TECHNOLOGY

    • Accounting 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

    • Spreadsheet software

    • Word processing software

    EDUCATION AND TRAINING

    • Preparation

      Some Preparation Needed

    • Education

      High school diploma.

    • Experience

      Some previous work-related skill, knowledge, or experience is usually needed.

    • Jobtraining

      Employees in these occupations need anywhere from a few months to one year of working with experienced employees. A recognized apprenticeship program may be associated with these occupations.

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