Credit Authorizers, Checkers, and Clerks

What does a professional in this career 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.

In this job you will...

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.
Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.
File sales slips in customers' ledgers for billing purposes.
Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.
Mail charge statements to customers.
Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.
Relay credit report information to subscribers by mail or by telephone.
Prepare credit cards or charge account plates.
Call customers to collect payment on delinquent accounts.
Consult with customers to resolve complaints or verify financial or credit transactions.
Contact former employers and other acquaintances to verify applicants' references, employment, health history, or social behavior.
Prepare reports of findings and recommendations.
Review individual or commercial customer files to identify and select delinquent accounts for collection.