# 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.
- **Entity Type:** role
- **Schema Version:** role.v1
- **Soc Code:** 43-4041.00
- **Summary:** 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.

## Aliases

- Commercial Credit Reviewer
- Credit Investigator
- Credit Processor
- Credit Representative
- Commercial Loan Reviewer
- Accounts Receivable Coordinator
- Authorizer
- Branch Processor
- Call Out Operator
- Charge Authorizer
- Collector
- Commercial Credit Advisor

## Tasks

| Text | Type | Iwa |
| --- | --- | --- |
| Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards. | Supplemental | 4.A.2.a.4.k |
| Keep records of customers' charges and payments. | Core | 4.A.3.b.6.j |
| Compile and analyze credit information gathered by investigation. | Core | 4.A.2.a.2.c |
| File sales slips in customers' ledgers for billing purposes. | Supplemental | 4.A.4.c.1.a |
| Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested. | Core | 4.A.1.a.1.n |
| Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report. | Core | 4.A.1.a.1.w |
| Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone. | Supplemental | 4.A.1.a.1.n |
| Mail charge statements to customers. | Supplemental | 4.A.4.c.1.e |
| Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants. | Supplemental | 4.A.1.a.1.d |
| Relay credit report information to subscribers by mail or by telephone. | Supplemental | 4.A.4.a.3.c |
| Prepare credit cards or charge account plates. | Supplemental | 4.A.4.c.1.c |
| Call customers to collect payment on delinquent accounts. | n/a | 4.A.4.a.3.c |

## Emerging Tasks


## Activities

| Name | Iwa |
| --- | --- |
| Maintain financial or account records. | 4.A.3.b.6.j |
| Compile data or documentation. | 4.A.2.a.2.c |
| Analyze financial information. | 4.A.2.a.4.k |
| Obtain personal or financial information about customers or applicants. | 4.A.1.a.1.n |
| Interview employees, customers, or others to collect information. | 4.A.1.a.1.w |
| File documents or records. | 4.A.4.c.1.a |
| Send information, materials or documentation. | 4.A.4.c.1.e |
| Search files, databases or reference materials to obtain needed information. | 4.A.1.a.1.d |
| Discuss account status or activity with customers or patrons. | 4.A.4.a.3.c |
| Execute sales or other financial transactions. | 4.A.4.c.1.c |
| Collect deposits, payments or fees. | 4.A.4.c.3.d |
| Correspond with customers to answer questions or resolve complaints. | 4.A.4.a.8.c |
| Prepare documentation for contracts, transactions, or regulatory compliance. | 4.A.3.b.6.m |
| Examine financial records. | 4.A.2.a.3.c |

## Capabilities

| Name | Family | Value |
| --- | --- | --- |
| Customer and Personal Service | knowledge | 4.06 |
| English Language | knowledge | 3.67 |
| Reading Comprehension | essential_skill | 3.62 |
| Active Listening | essential_skill | 3.62 |
| Speaking | essential_skill | 3.62 |
| Oral Comprehension | ability | 3.62 |
| Mathematics | knowledge | 3.61 |
| Written Comprehension | ability | 3.5 |
| Oral Expression | ability | 3.5 |
| Problem Sensitivity | ability | 3.5 |
| Near Vision | ability | 3.5 |
| Law and Government | knowledge | 3.37 |
| Administrative | knowledge | 3.34 |
| Economics and Accounting | knowledge | 3.33 |
| Critical Thinking | essential_skill | 3.25 |
| Deductive Reasoning | ability | 3.25 |
| Inductive Reasoning | ability | 3.25 |
| Speech Recognition | ability | 3.25 |
| Speech Clarity | ability | 3.25 |
| Computers and Electronics | knowledge | 3.19 |
| Administration and Management | knowledge | 3.13 |
| Writing | essential_skill | 3.12 |
| Social Perceptiveness | transferable_skill | 3.12 |
| Time Management | transferable_skill | 3.12 |
| Written Expression | ability | 3.12 |
| Monitoring | essential_skill | 3 |
| Coordination | transferable_skill | 3 |
| Service Orientation | transferable_skill | 3 |
| Judgment and Decision Making | transferable_skill | 3 |
| Information Ordering | ability | 3 |
| Instructing | transferable_skill | 2.75 |
| Complex Problem Solving | transferable_skill | 2.75 |
| Category Flexibility | ability | 2.75 |
| Flexibility of Closure | ability | 2.75 |
| Sales and Marketing | knowledge | 2.7 |
| Active Learning | essential_skill | 2.62 |
| Persuasion | transferable_skill | 2.62 |
| Management of Personnel Resources | transferable_skill | 2.62 |
| Mathematical Reasoning | ability | 2.62 |
| Number Facility | ability | 2.62 |

## Skills

| Name | Type |
| --- | --- |
| English Language | Common Skill |
| Reading Comprehension | Common Skill |
| Active Listening | Common Skill |
| Mathematics | Common Skill |
| Microsoft Word | Common Skill |
| Microsoft PowerPoint | Common Skill |
| Microsoft Outlook | Common Skill |
| Microsoft Excel | Common Skill |
| Speech Recognition | Specialized Skill |
| Inductive Reasoning | Common Skill |
| Deductive Reasoning | Common Skill |
| Critical Thinking | Common Skill |
| Writing | Common Skill |
| Time Management | Common Skill |
| Social Perceptiveness | Common Skill |
| Microsoft SharePoint | Specialized Skill |
| Microsoft Access | Specialized Skill |
| Information Ordering | Specialized Skill |
| Instructing | Specialized Skill |
| Complex Problem Solving | Common Skill |
| Active Learning | Common Skill |
| Learning Strategies | Specialized Skill |
| Negotiation | Common Skill |
| Psychology | Specialized Skill |
| Telecommunications | Specialized Skill |
| Systems Analysis | Specialized Skill |
| Microsoft Internet Explorer | Common Skill |
| Email Software | Specialized Skill |
| Visualization | Specialized Skill |
| Geography | Specialized Skill |
| Depth Perception | Common Skill |
| Foreign Language | Common Skill |
| Finger Dexterity | Common Skill |
| Physics | Specialized Skill |
| Chemistry | Specialized Skill |
| Presentation Software | Specialized Skill |
| Installation | Specialized Skill |
| Financial Analysis Software | Specialized Skill |
| Equipment Selection | Specialized Skill |
| Equipment Maintenance | Specialized Skill |

## Tools

| Example | Category | Hot | In Demand |
| --- | --- | --- | --- |
| Microsoft Excel | Spreadsheet software | yes | yes |
| Microsoft Office software | Office suite software | yes | yes |
| Microsoft Outlook | Electronic mail software | yes | yes |
| Microsoft PowerPoint | Presentation software | yes | yes |
| Microsoft Word | Word processing software | yes | yes |
| Microsoft Access | Data base user interface and query software | yes | no |
| Microsoft SharePoint | Document management software | yes | no |
| SAP software | Enterprise resource planning ERP software | yes | no |
| Structured query language SQL | Data base user interface and query software | yes | no |
| Tableau | Business intelligence and data analysis software | yes | no |
| Email software | Electronic mail software | no | no |
| Equifax software | Financial analysis software | no | no |
| Experian software | Financial analysis software | no | no |
| Financial accounting software | Accounting software | no | no |
| Microsoft Internet Explorer | Internet browser software | no | no |
| Spreadsheet programs | Spreadsheet software | no | no |
| Web browser software | Internet browser software | no | no |

## Work Context

| Name | Value |
| --- | --- |
| Telephone Conversations | 5 |
| Contact With Others | 4.88 |
| E-Mail | 4.82 |
| Face-to-Face Discussions with Individuals and Within Teams | 4.7 |
| Importance of Being Exact or Accurate | 4.7 |
| Spend Time Sitting | 4.67 |
| Time Pressure | 4.67 |
| Deal With External Customers or the Public in General | 4.66 |
| Work With or Contribute to a Work Group or Team | 4.63 |
| Determine Tasks, Priorities and Goals | 4.53 |
| Impact of Decisions on Co-workers or Company Results | 4.52 |
| Frequency of Decision Making | 4.51 |
| Written Letters and Memos | 4.5 |
| Freedom to Make Decisions | 4.38 |
| Importance of Repeating Same Tasks | 4.33 |
| Conflict Situations | 4.13 |
| Indoors, Environmentally Controlled | 4.12 |
| Spend Time Making Repetitive Motions | 3.88 |
| Dealing With Unpleasant, Angry, or Discourteous People | 3.84 |
| Coordinate or Lead Others in Accomplishing Work Activities | 3.77 |
| Work Outcomes and Results of Other Workers | 3.73 |
| Physical Proximity | 3.48 |
| Level of Competition | 3.24 |
| Consequence of Error | 3.16 |
| Exposed to Sounds, Noise Levels that are Distracting or Uncomfortable | 3.15 |
| Degree of Automation | 2.97 |
| Exposed to Extremely Bright or Inadequate Lighting Conditions | 2.94 |
| Health and Safety of Other Workers | 2.58 |
| Spend Time Using Your Hands to Handle, Control, or Feel Objects, Tools, or Controls | 2.34 |
| Indoors, Not Environmentally Controlled | 2.04 |
| Spend Time Walking or Running | 1.88 |
| Spend Time Standing | 1.86 |
| Exposed to Very Hot or Cold Temperatures | 1.8 |
| Exposed to Contaminants | 1.71 |
| Public Speaking | 1.63 |
| Spend Time Bending or Twisting Your Body | 1.59 |
| Exposed to Cramped Work Space, Awkward Positions | 1.58 |
| In an Enclosed Vehicle or Operate Enclosed Equipment | 1.42 |
| Dealing with Violent or Physically Aggressive People | 1.4 |
| Pace Determined by Speed of Equipment | 1.33 |

## Preparation

- **Job Zone:** 2
- **Job Zone Name:** Job Zone 1-2: Very Little to Some Preparation Needed
- **Education:** Usually requires a high school diploma or GED, though some occupations may not.
- **Experience:** Some occupations may need little or no previous experience; others require several months to a year of experience. For example, landscaping and groundskeeping workers might require very little training or previous experience, while agricultural equipment operators can benefit from on-the job training.
- **Svp Range:** (Below 6.0)

### Education Distribution


## Person Fit

| Name | Family | Value |
| --- | --- | --- |
| Conventional | career_interest_type | 7 |
| Office Work | specific_interest_area | 5.9 |
| Accounting | specific_interest_area | 4.92 |
| Enterprising | career_interest_type | 4.48 |
| Dependability | work_style | 4 |
| Social | career_interest_type | 3.39 |
| Finance | specific_interest_area | 3.33 |
| Attention to Detail | work_style | 3 |
| Management/Administration | specific_interest_area | 2.52 |
| Law | specific_interest_area | 2.43 |
| Integrity | work_style | 2.21 |
| Cautiousness | work_style | 2.17 |
| Human Resources | specific_interest_area | 1.96 |
| Mathematics/Statistics | specific_interest_area | 1.94 |
| Business Initiatives | specific_interest_area | 1.94 |
| Investigative | career_interest_type | 1.87 |

## Related Roles

| Soc Code | Slug | Title | Tier |
| --- | --- | --- | --- |
| 13-2041.00 | role-13-2041-00 | Credit Analysts | Primary-Short |
| 43-4131.00 | role-43-4131-00 | Loan Interviewers and Clerks | Primary-Short |
| 13-2072.00 | role-13-2072-00 | Loan Officers | Primary-Short |
| 43-3011.00 | role-43-3011-00 | Bill and Account Collectors | Primary-Short |
| 13-2071.00 | role-13-2071-00 | Credit Counselors | Primary-Short |
| 43-4051.00 | role-43-4051-00 | Customer Service Representatives | Primary-Long |
| 43-3031.00 | role-43-3031-00 | Bookkeeping, Accounting, and Auditing Clerks | Primary-Long |
| 43-9041.00 | role-43-9041-00 | Insurance Claims and Policy Processing Clerks | Primary-Long |
| 43-4141.00 | role-43-4141-00 | New Accounts Clerks | Primary-Long |
| 13-2081.00 | role-13-2081-00 | Tax Examiners and Collectors, and Revenue Agents | Primary-Long |
| 43-3071.00 | role-43-3071-00 | Tellers | Supplemental |
| 11-3031.00 | role-11-3031-00 | Financial Managers | Supplemental |

## Career Clusters

| Cluster | Slug |
| --- | --- |
| Financial Services | financial-services |

## Education Level

- **Category:** High school diploma or equivalent

## Study Programs

| Title | Slug |
| --- | --- |
| Business, Management, Marketing, and Related Support Services | business-management-marketing-and-related-support-services |

## Market

- **Median Wage:** 49130
- **Mean Wage:** 51270
- **Pct10Wage:** 34590
- **Pct25Wage:** 40850
- **Pct75Wage:** 59530
- **Pct90Wage:** 71730
- **Employment:** 11960
- **Area Title:** U.S.

## Industries


### Top

| Naics | Slug | Title | Level | Employment | Median Wage | Lq |
| --- | --- | --- | --- | --- | --- | --- |
| 52 | 52 | Finance and Insurance | Sector | 3920 | 51000 | 8.12 |
| 42 | 42 | Wholesale Trade | Sector | 1400 | 51480 | 2.99 |
| 44-45 | 44-45 | Retail Trade | Sector | 1350 | 36920 | 1.12 |
| 55 | 55 | Management of Companies and Enterprises | Sector | 1350 | 52340 | 6.2 |
| 56 | 56 | Administrative and Support and Waste Management and Remediation Services | Sector | 1110 | 46480 | 1.58 |
| 53 | 53 | Real Estate and Rental and Leasing | Sector | 550 | 43830 | 2.99 |
| 51 | 51 | Information | Sector | 520 | 50450 | 2.31 |
| 54 | 54 | Professional, Scientific, and Technical Services | Sector | 500 | 45190 | 0.6 |
| 62 | 62 | Health Care and Social Assistance | Sector | 450 | 45670 | 0.25 |
| 31-33 | 31-33 | Manufacturing | Sector | 330 | 51630 | 0.33 |
| 48-49 | 48-49 | Transportation and Warehousing | Sector | 200 | 54430 | 0.35 |
| 561320 | 561320 | Temporary Help Services | National industry | 80 | 50980 |  |

### Concentrated

| Naics | Slug | Title | Level | Employment | Lq |
| --- | --- | --- | --- | --- | --- |
| 52 | 52 | Finance and Insurance | Sector | 3920 | 8.12 |
| 55 | 55 | Management of Companies and Enterprises | Sector | 1350 | 6.2 |
| 42 | 42 | Wholesale Trade | Sector | 1400 | 2.99 |
| 53 | 53 | Real Estate and Rental and Leasing | Sector | 550 | 2.99 |
| 51 | 51 | Information | Sector | 520 | 2.31 |
| 56 | 56 | Administrative and Support and Waste Management and Remediation Services | Sector | 1110 | 1.58 |
| 44-45 | 44-45 | Retail Trade | Sector | 1350 | 1.12 |
| 54 | 54 | Professional, Scientific, and Technical Services | Sector | 500 | 0.6 |
- **Count:** 17

## Ai Signals

| Source | Label | Score | Scale | Release |
| --- | --- | --- | --- | --- |
| frey_osborne | Computerization probability | 0.97 | 0-1 probability | 2013-baseline-2016-employment-snapshot |
| felten_aioe | AI occupational exposure | 1.440296 | relative exposure score | 2021-plus-generative-ai-workbooks |
| felten_image_generation_aioe | Image generation occupational exposure | 0.5655808 | relative exposure score | 2021-plus-generative-ai-workbooks |
| felten_language_modeling_aioe | Language modeling occupational exposure | 1.54555 | relative exposure score | 2021-plus-generative-ai-workbooks |

## Ai Outlook


### Index

- **Value:** 83
- **Percentile:** 88
- **Band:** High
- **Version:** ai-exposure-index-v1

#### Components

| Percentile | Source |
| --- | --- |
| 98 | felten_aioe |
| 86 | openai_gpts_are_gpts |
| 64 | microsoft_working_with_ai |
- **Component Count:** 3

### Exposure

| Source | Label | Value | Percentile | Band | Note |
| --- | --- | --- | --- | --- | --- |
| felten_aioe | Overall AI exposure (Felten et al.) | 1.440296 | 98 | High | How much this job's abilities overlap with what AI systems can do, across many AI capabilities. A relative research score, not a forecast of job loss. |
| eloundou_gamma | LLM task exposure, γ (OpenAI / Eloundou) | 0.9500000000000001 | 86 | High | Share of this job's tasks where a large language model plus simple tools could cut the time to do them by at least half. γ is capped at 1.0 and many jobs reach that ceiling, so treat a top score as 'in the top group', not a precise rank. |
| microsoft_applicability | AI assistant applicability (Microsoft) | 0.18484492467816283 | 64 | Moderate | How applicable today's AI assistants are to this job's activities, measured from real Microsoft Copilot conversations. Applicability is not the same as replacement. |

### Frey Historical

- **Source:** frey
- **Label:** Computerization probability (Frey & Osborne, 2013)
- **Value:** 0.97
- **Percentile:** 94
- **Band:** High
- **Note:** A pre-LLM (2013) estimate of how automatable this job is by computerization and robotics. Shown for historical context only — it is not part of any current AI ranking.
- **Teleworkable:** yes

### Eloundou

- **Alpha:** 0.35000000000000003
- **Beta:** 0.65
- **Gamma:** 0.9500000000000001

### Usage Tasks

| Task | Usage Percent | Importance |
| --- | --- | --- |
| Relay credit report information to subscribers by mail or by telephone. | 0.025985070395917978 | 3.33 |
| Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone. | 0.0033893570081632153 | 3.94 |
| Prepare credit cards or charge account plates. | 0.0022595713387754766 | 3 |
- **Usage Release:** 2026-01-15-v4-plus-2025-03-27-v2

### Bls

- **Growth Percent:** -6.2
- **Growth Percentile:** 10
- **Direction:** Declining
- **Annual Openings Thousands:** 1
- **Annual Openings Percentile:** 15
- **Employment2024Thousands:** 12
- **Employment2034Thousands:** 11.3

### Sources

| Source | Version |
| --- | --- |
| bls_employment_projections | 2024-2034 |
| dingel_neiman | dingel-neiman-workathome |
| felten_aioe | felten-raj-seamans-aioe |
| frey_osborne | frey-osborne-automation |
| microsoft_working_with_ai | working-with-ai |
| openai_gpts_are_gpts | gpts-are-gpts |

## Counts

- **Tasks:** 16
- **Skills:** 42
- **Capabilities:** 120
- **Tools:** 17
- **Related Roles:** 20

## Source

- **Dataset:** gold.onet_role_starter_surface
- **Version:** 30.3
- **Generated At:** 2026-06-02T21:00:32.945303+00:00
- **Content Hash:** 0079948ae2d5a6e0