Credit Checkers

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This occupation has now been updated to Credit Authorizers, Checkers, and Clerks

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Also known as:
Charge Authorizer, Commercial Credit Reviewer, Credit Authorizer, Credit Charge Authorizer, Credit Checker, Credit Investigator, Credit Processor, Credit Rating Checker, Credit Reference Clerk, Credit Report Checker

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SNAPSHOT

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.

Leadership	HIGH
Critical decision making	HIGH
Level of responsibilities	HIGH
Job challenge and pressure to meet deadlines	HIGH
Dealing and handling conflict	HIGH

Competition for this position	HIGH
Communication with others	HIGH
Work closely with team members, clients etc.	HIGH
Comfort of the work setting	HIGH
Exposure to extreme environmental conditions	LOW
Exposure to job hazards	LOW
Physical demands	LOW

Daily tasks

Prepare reports of findings and recommendations, using typewriters or computers.

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.

MAIN ACTIVITIES

Getting Information	Observing, receiving, and otherwise obtaining information from all relevant sources.
Communicating with Persons Outside Organization	Communicating with people outside the organization, representing the organization to customers, the public, government, and other external sources. This information can be exchanged in person, in writing, or by telephone or e-mail.
Communicating with Supervisors, Peers, or Subordinates	Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.

Interacting With Computers	Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.

Updating and Using Relevant Knowledge	Keeping up-to-date technically and applying new knowledge to your job.

Documenting/Recording Information	Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.

Processing Information	Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.

Resolving Conflicts and Negotiating with Others	Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.

AREAS OF 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.
Mathematics	Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
Clerical	Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.

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

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

Law and Government	Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.

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.

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.

KEY 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.

Speech Clarity	The ability to speak clearly so others can understand you.

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

Speech Recognition	The ability to identify and understand the speech of another person.

Inductive Reasoning	The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).

TOP 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.

Monitoring	Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.

Active Learning	Understanding the implications of new information for both current and future problem-solving and decision-making.

Social Perceptiveness	Being aware of others' reactions and understanding why they react as they do.