Credit Authorizers, Checkers, and Clerks
FinanceO*NET 43-4041.00United States
Authorize credit charges against customers' accounts. Investigate history and credit standing of individuals or business establishments applying for credit.
- Median annual earnings
- $50,077
- Projected change
- −2.6%
- Typical education
- Bachelor's degree
- Employment
- 11.74K jobs
50th percentile, United States
2025 to 2035
46.1% of the workforce
Growing to 11.43K by 2035
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Build the skills
ASU learning related to this career
These courses and certificates are connected through catalog career relationships and Lightcast skill tags.
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The work
What credit authorizers, checkers, and clerks do
Tasks reported for this occupation, ordered by how often they come up in the 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.
Pay and outlook
What the job pays and where it is heading
Annual earnings range
Reported earnings by percentile, United States
- 10th percentile
- $30,221
- 25th percentile
- $40,490
- 50th percentile
- $50,077
- 75th percentile
- $61,215
- 90th percentile
- $73,050
The gold marker shows the median. Half earn more than $50,077 and half earn less.
Employment outlook
2025 to 2035 projection
−2.6%projected to decline
202511,740 jobs
2035 projected11,429 jobs
311 fewer positions over the decade, before replacement hiring.
Preparation
Education levels
What people currently working in the career hold. These are not entry requirements.
- Bachelor's degree
- 46.1%
- High school diploma or less
- 27%
- Associate degree
- 22.9%
- Some college
- 2.3%
- Certificate
- 1.7%
Skills
Skills employers ask for
Technical skills appearing most often in job postings for this occupation.
How the work gets done
Core competencies
Broad capabilities associated with strong performance in this occupation.
- 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.
- Reading Comprehension
- Understanding written sentences and paragraphs in work-related documents.
- Speaking
- Talking to others to convey information effectively.
- 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.
- Social Perceptiveness
- Being aware of others' reactions and understanding why they react as they do.
- Time Management
- Managing one's own time and the time of others.
- Judgment and Decision Making
- Considering the relative costs and benefits of potential actions to choose the most appropriate one.
- Monitoring
- Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.
- Service Orientation
- Actively looking for ways to help people.
- Coordination
- Adjusting actions in relation to others' actions.
- Instructing
- Teaching others how to do something.
- Complex Problem Solving
- Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.
- Persuasion
- Persuading others to change their minds or behavior.
- Active Learning
- Understanding the implications of new information for both current and future problem-solving and decision-making.
- Management of Personnel Resources
- Motivating, developing, and directing people as they work, identifying the best people for the job.
- Mathematics
- Using mathematics to solve problems.
- Learning Strategies
- Selecting and using training/instructional methods and procedures appropriate for the situation when learning or teaching new things.
- Negotiation
- Bringing others together and trying to reconcile differences.
- Systems Analysis
- Determining how a system should work and how changes in conditions, operations, and the environment will affect outcomes.
In the market
Job titles and employers
Recent job postings in United StatesCommon job titles
- 01Credit and Collections Specialists471 postings
- 02Credit Officers470 postings
- 03Credit Specialists396 postings
- 04Chief Credit Officers200 postings
- 05Credit Risk Officers183 postings
- 06Credit Review Officers122 postings
- 07Credit Clerks119 postings
- 08Credit Risk Specialists84 postings
- 09Commercial Credit Officers82 postings
- 10Credit Administration Specialists81 postings
- 11Credit Card Specialists76 postings
- 12Agricultural Loan Officers75 postings
- 13Letter of Credit Specialists74 postings
- 14Trust Officers73 postings
- 15Credit Balance Specialists68 postings
- 16Credit Review Specialists65 postings
- 17Credit Administration Officers57 postings
- 18Regional Credit Officers55 postings
- 19Credit Approval Officers49 postings
- 20Resolution Specialists49 postings
Top employers
- 01GPAC226 postings
- 02Bank of America187 postings
- 03JPMorgan Chase162 postings
- 04Sharecare160 postings
- 05Wesbanco Bank108 postings
- 06Robert Half91 postings
- 07US Bank77 postings
- 08Flagstar Bank72 postings
- 09Wells Fargo64 postings
- 10Citigroup60 postings
- 11Compeer Financial55 postings
- 12Ford54 postings
- 13Fujifilm53 postings
- 14Adams47 postings
- 15First National Bank Of Omaha41 postings
- 16First Interstate Bank40 postings
- 17PNC35 postings
- 18TD Bank31 postings
- 19Aston Carter28 postings
- 20Allied Universal27 postings
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