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.
Credit Authorizers, Checkers, and Clerks
SOC: 43-4041 O*NET: 43-4041.00
Median Salary
$49,130
per year
Job Growth
📉 -6.2%
Slower (2024-2034)
Annual Openings
1
projected jobs/year
Education Level
High school diploma or equivalent
Job Zone 2
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.
What does a Credit Authorizers, Checkers, and Clerks do?
How much can you earn?
Entry Level
$34,590
10th percentile
Early Career
$40,850
25th percentile
Median
$49,130
50th percentile
Experienced
$59,530
75th percentile
Top Earners
$71,730
90th percentile
National Salary Distribution
10th
$34,590
25th
$40,850
Middle 50%
MEDIAN
$49,130
Mean: $51,270
75th
$59,530
90th
$71,730
Middle 50% of earners
Median salary
Mean (average)
Key Insights
- •Salary range spans $37,140 from entry level to top earners
- •Middle 50% earn between $40,850 and $59,530
- •Salary spread is 38.0% around the median, showing moderate variation
- •Total national employment: 11,960 professionals
What's the job outlook?
Job Market Intelligence
Low Demand
Market demand
Medium Risk
Automation risk
Current Employment
National Employment:12,000
Top Industries
Finance and Insurance32.8%
Credit Intermediation and Related Activities31.3%
Nondepository Credit Intermediation15.7%
10-Year Outlook
Growth Rate:-6.2%
Annual Openings:1,000
Employment Projections
2024 (Current)12,000
Current
2034 (Projected)11,300
-6.2%
-700
Employment Change
-6.2%
Growth Rate
10
Year Projection
Growth Category: Decline
Geographic Salary & Employment Data
Explore where Credit Authorizers, Checkers, and Clerks professionals work across the United States
Showing 15 of 40 locations
California
1,010 jobs$50,3700.72x
Texas
920 jobs$58,7700.86x
Florida
690 jobs$00.90x
New York
680 jobs$52,0900.92x
New Jersey
620 jobs$55,3501.89x
Georgia
550 jobs$28,9901.46x
Virginia
460 jobs$53,8701.45x
Delaware
430 jobs$011.54x
Ohio
410 jobs$52,2700.95x
Colorado
380 jobs$49,3801.69x
Pennsylvania
370 jobs$50,6100.80x
Wisconsin
370 jobs$45,0201.64x
South Carolina
340 jobs$38,8201.93x
North Carolina
330 jobs$47,1400.88x
Michigan
330 jobs$46,0200.96x
Understanding the Data
Location Quotient (LQ):
- • LQ > 1.0: More jobs than national average
- • LQ = 1.0: Same as national average
- • LQ < 1.0: Fewer jobs than national average
Data Source:
Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS), May 2024
Key Growth Factors
- •Employment decline projected
What skills do you need?
Top 10 Most Important Skills
#1
Active Listening
100%
#2
Speaking
94%
#3
Reading Comprehension
86%
#4
Critical Thinking
80%
#5
Writing
74%
#6
Time Management
66%
#7
Social Perceptiveness
60%
#8
Monitoring
54%
#9
Service Orientation
46%
#10
Coordination
40%
Skills Overview
Active Listening
advanced5.0
100%
Speaking
advanced4.7
94%
Reading Comprehension
basic4.3
86%
Critical Thinking
intermediate4.0
80%
Writing
intermediate3.7
74%
Time Management
intermediate3.3
66%
Social Perceptiveness
intermediate3.0
60%
Monitoring
basic2.7
54%
Skills are rated on a scale of 0-5, with 5 being the most important. The complexity level indicates how advanced the skill typically needs to be.
Filter:
Sort by:
Active Listening
advancedImportance100%
skills
5.0/5.0
Speaking
advancedImportance94%
skills
4.7/5.0
Reading Comprehension
basicImportance86%
abilities
4.3/5.0
Critical Thinking
intermediateImportance80%
abilities
4.0/5.0
Writing
intermediateImportance74%
skills
3.7/5.0
Time Management
intermediateImportance66%
skills
3.3/5.0
Social Perceptiveness
intermediateImportance60%
skills
3.0/5.0
Monitoring
basicImportance54%
skills
2.7/5.0
Service Orientation
basicImportance46%
skills
2.3/5.0
Coordination
basicImportance40%
skills
2.0/5.0
Highly Transferable Skills
These skills are valuable across multiple career paths, making career transitions easier:
Counter and Rental Clerks100%
5 shared skills
Court, Municipal, and License Clerks100%
5 shared skills
Legal Secretaries and Administrative Assistants100%
5 shared skills
Veterinary Assistants and Laboratory Animal Caretakers100%
5 shared skills
File Clerks90%
5 shared skills
Office Clerks, General90%
5 shared skills
Skills by Career Stage
Entry Level
Must Have:
- ✓Active Listening
- ✓Speaking
Learn on the Job:
- →Time Management
- →Social Perceptiveness
- →Monitoring
Mid Career
Expected:
- ✓Active Listening
- ✓Speaking
- ✓Reading Comprehension
- ✓Critical Thinking
Senior Level
Mastery Required:
- ★Active Listening
- ★Speaking
- ★Reading Comprehension
- ★Critical Thinking
- ★Writing
Skill Development Tips
- •Focus on developing the top 5 skills first - they have the highest impact on career success
- •Transferable skills open doors to related careers and provide flexibility
- •Balance technical skills with soft skills for well-rounded professional development
- •Entry-level positions prioritize foundational skills that can be built upon over time
What technology will you use?
Technology & Digital Skills
Essential technology proficiencies for Credit Authorizers, Checkers, and Clerks
Technology Intensity
High
Digital Literacy Requirements
This career requires advanced digital literacy
1
Basic
2
Intermediate
3
Advanced
4
Expert
Key Digital Competencies:
Proficiency with specialized softwareTechnical documentationData analysis toolsSystem integration
🔥
Hot Technologies in Demand
These technologies are currently trending and highly sought after in this field
Tableau
🔥 Hot TechMicrosoft Access
🔥 Hot TechStructured query language SQL
🔥 Hot TechMicrosoft SharePoint
🔥 Hot TechMicrosoft Outlook
🔥 Hot TechSAP software
🔥 Hot TechMicrosoft Office software
🔥 Hot TechMicrosoft PowerPoint
🔥 Hot TechMicrosoft Excel
🔥 Hot TechMicrosoft Word
🔥 Hot TechTechnology Stack
Technology Stack Overview
Key technologies used in this career
Tableau
Microsoft Access
Structured query language SQL
Microsoft SharePoint
Microsoft Outlook
SAP software
Microsoft Office software
Microsoft PowerPoint
Microsoft Excel
Microsoft Word
📚 Technology Learning Resources
Recommended Certifications
- •Vendor-specific software certifications
- •Industry-recognized technology credentials
- •Professional development courses
Online Learning Platforms
- •LinkedIn Learning - Comprehensive technology courses
- •Coursera - University-level programs
- •Udemy - Practical skills training
💡 Technology Skill Development Tips
- •Focus on mastering hot technologies first - they're currently most in-demand
- •Build a portfolio demonstrating your proficiency with key tools and software
- •Stay current through continuous learning - technology evolves rapidly
- •Consider vendor certifications to validate your skills to employers
What's the work environment like?
🏗️
Location
Varies
💪
Physical Demand
LOW
👥
Team Orientation
Varies
🤝
Customer Interaction
NONE
💡Is This Work Environment Right for You?
Consider these factors when evaluating if you'll thrive in this work environment:
- •Are you comfortable working in varies environments?
- •Can you meet low physical demands?
What are the key tasks?
Tasks & Responsibilities
16
Core Tasks
8
Daily Tasks
20
Work Activities
0
Emerging Tasks
Filter:
Sort by:
Documentation & Record-Keeping (3)Analysis & Evaluation (2)General Responsibilities (10)Management & Supervision (1)
1
Keep records of customers' charges and payments.
🔴Daily
Importance:
Documentation & Record-Keeping100% perform100%
2
Compile and analyze credit information gathered by investigation.
🔴Daily
Importance:
Analysis & Evaluation97% perform98%
3
Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.
🔴Daily
Importance:
General Responsibilities94% perform96%
4
Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
🔴Daily
Importance:
General Responsibilities91% perform94%
5
Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.
🔴Daily
Importance:
Analysis & Evaluation88% perform92%
6
File sales slips in customers' ledgers for billing purposes.
🔴Daily
Importance:
General Responsibilities85% perform90%
7
Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.
🔴Daily
Importance:
General Responsibilities82% perform88%
8
Mail charge statements to customers.
🔴Daily
Importance:
General Responsibilities79% perform86%
9
Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.
🟡Weekly
Importance:
Management & Supervision76% perform84%
10
Relay credit report information to subscribers by mail or by telephone.
🟡Weekly
Importance:
General Responsibilities73% perform82%
💡 Key Takeaways
- •Daily tasks focus primarily on documentation & record-keeping activities
- •44% of tasks are performed by most workers in this occupation
- •Career advancement brings increased leadership and strategic responsibilities
What career paths are available?
Career Pathways
0
Advancement Opportunities
0
Lateral Move Options
0%
Avg. Salary Increase
Advancement Opportunities
Typical career progression paths from Credit Authorizers, Checkers, and Clerks
💡 Career Planning Tips
- •Most successful advancement happens after 3-5 years of experience
- •Lateral moves can provide valuable cross-functional experience for future leadership roles
- •Focus on developing skills that are transferable across multiple career paths
- •Consider industry trends when planning long-term career moves
Is this career right for you?
Personality & Values Fit
Is This Career Right for You?
Credit Authorizers, Checkers, and Clerks professionals typically have a CES Holland code and highly value support
CConventional
EEnterprising
SSocial
Important Personality Traits
Work styles that contribute to success as a Credit Authorizers, Checkers, and Clerks
Integrity
Very ImportantIntegrity
Importance Level4.38
Dependability
Very ImportantDependability
Importance Level4.33
Cooperation
Very ImportantCooperation
Importance Level4.32
Attention to Detail
Very ImportantAttention to Detail
Importance Level4.29
Self-Control
Very ImportantSelf-Control
Importance Level4.29
Stress Tolerance
Very ImportantStress Tolerance
Importance Level4.22
Complete Work Styles Profile
Integrity
4.4
Dependability
4.3
Cooperation
4.3
Attention to Detail
4.3
Self-Control
4.3
Stress Tolerance
4.2
Independence
3.9
Persistence
3.9
Initiative
3.8
Achievement/Effort
3.6
💡 Tips for Career Fit Success
- •While personality fit is important, skills can be developed with practice and training
- •Consider informational interviews to better understand the day-to-day personality requirements
- •Work environments vary by employer - research specific companies for cultural fit
- •Your interests and values may evolve - reassess periodically throughout your career
What education is required?
Education Level
High school diploma or equivalent
Typical duration: High school diploma or GED
Preparation Level
Job Zone 2
Some Preparation Needed
Experience Needed
Some previous work-related skill, knowledge, or experience may be helpful
📚 Education Requirement
Required Level:High school diploma or equivalent
These occupations usually require a high school diploma and may require some vocational training or job-related course work.
Training:
Training of a few months to a year
💼 Experience Requirement
Some previous work-related skill, knowledge, or experience may be helpful
Common pathways to gain experience:
- • Some previous work-related skill, knowledge, or experience
- • Vocational school programs (6 months to 2 years)
- • Industry certifications helpful
2
Job Zone Two: Some Preparation Needed
These occupations usually require a high school diploma and may require some vocational training or job-related course work.
Some previous work-related skill, knowledge, or experienceVocational school programs (6 months to 2 years)Industry certifications helpful
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