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Summary Report for:
43-4041.02 - Credit Checkers

Investigate history and credit standing of individuals or business establishments applying for credit. Telephone or write to credit departments of business and service establishments to obtain information about applicant's credit standing.

Sample of reported job titles: Commercial Credit Reviewer, Commercial Loan Reviewer, Credit Administrator, Credit Investigator, Credit Manager, Credit Processor, Credit Representative

View report: Summary  Details  Custom

Tasks  |  Tools & Technology  |  Knowledge  |  Skills  |  Abilities  |  Work Activities  |  Detailed Work Activities  |  Work Context  |  Job Zone  |  Education  |  Credentials  |  Interests  |  Work Styles  |  Work Values  |  Related Occupations  |  Wages & Employment  |  Job Openings  |  Additional Information

Tasks

  • Compile and analyze credit information gathered by investigation. See more occupations related to this task.
  • Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested. See more occupations related to this task.
  • Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report. See more occupations related to this task.
  • Prepare reports of findings and recommendations, using typewriters or computers. See more occupations related to this task.
  • Contact former employers and other acquaintances to verify applicants' references, employment, health history, and social behavior. See more occupations related to this task.
  • Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants. See more occupations related to this task.
  • Relay credit report information to subscribers by mail or by telephone. See more occupations related to this task.

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Tools & Technology

Tools used in this occupation:

  • Laser printers — Computer laser printers See more occupations related to this tool.
  • Personal computers See more occupations related to this tool.
  • Photocopiers — Copy machines See more occupations related to this tool.
  • Printer calculator — Printing calculators See more occupations related to this tool.
  • Scanners — Computer data input scanners See more occupations related to this tool.
  • Special purpose telephones — Multiline telephone systems See more occupations related to this tool.
  • Typewriters — Electric typewriters See more occupations related to this tool.

Technology used in this occupation:

  • Data base user interface and query software — Data entry software; Microsoft Access See more occupations related to this technology.
  • Electronic mail software — Email software; Microsoft Outlook See more occupations related to this technology.
  • Enterprise resource planning ERP software — SAP software See more occupations related to this technology.
  • Financial analysis software — Equifax software; Experian software See more occupations related to this technology.
  • Internet browser software — Web browser software See more occupations related to this technology.
  • Office suite software — Microsoft Office software See more occupations related to this technology.
  • Presentation software — Microsoft PowerPoint See more occupations related to this technology.
  • Spreadsheet software — Microsoft Excel; Spreadsheet programs See more occupations related to this technology.
  • Word processing software — Microsoft Word See more occupations related to this technology.

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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. See more occupations related to this knowledge.
  • Mathematics — Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications. See more occupations related to this knowledge.
  • 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. See more occupations related to this knowledge.
  • Economics and Accounting — Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data. See more occupations related to this knowledge.
  • English Language — Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar. See more occupations related to this knowledge.
  • Law and Government — Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process. See more occupations related to this knowledge.

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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. See more occupations related to this skill.
  • Speaking — Talking to others to convey information effectively. See more occupations related to this skill.
  • Critical Thinking — Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems. See more occupations related to this skill.
  • Reading Comprehension — Understanding written sentences and paragraphs in work related documents. See more occupations related to this skill.
  • Writing — Communicating effectively in writing as appropriate for the needs of the audience. See more occupations related to this skill.
  • Active Learning — Understanding the implications of new information for both current and future problem-solving and decision-making. See more occupations related to this skill.
  • Judgment and Decision Making — Considering the relative costs and benefits of potential actions to choose the most appropriate one. See more occupations related to this skill.
  • Monitoring — Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action. See more occupations related to this skill.
  • Social Perceptiveness — Being aware of others' reactions and understanding why they react as they do. See more occupations related to this skill.
  • Coordination — Adjusting actions in relation to others' actions. See more occupations related to this skill.

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Abilities

  • Oral Comprehension — The ability to listen to and understand information and ideas presented through spoken words and sentences. See more occupations related to this ability.
  • Oral Expression — The ability to communicate information and ideas in speaking so others will understand. See more occupations related to this ability.
  • Written Comprehension — The ability to read and understand information and ideas presented in writing. See more occupations related to this ability.
  • Written Expression — The ability to communicate information and ideas in writing so others will understand. See more occupations related to this ability.
  • Speech Clarity — The ability to speak clearly so others can understand you. See more occupations related to this ability.
  • Near Vision — The ability to see details at close range (within a few feet of the observer). See more occupations related to this ability.
  • Speech Recognition — The ability to identify and understand the speech of another person. See more occupations related to this ability.
  • Inductive Reasoning — The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events). See more occupations related to this ability.
  • Problem Sensitivity — The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem. See more occupations related to this ability.
  • Deductive Reasoning — The ability to apply general rules to specific problems to produce answers that make sense. See more occupations related to this ability.
  • Information Ordering — The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations). See more occupations related to this ability.
  • Selective Attention — The ability to concentrate on a task over a period of time without being distracted. See more occupations related to this ability.

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Work Activities

  • Getting Information — Observing, receiving, and otherwise obtaining information from all relevant sources. See more occupations related to this activity.
  • 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. See more occupations related to this activity.
  • Communicating with Supervisors, Peers, or Subordinates — Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person. See more occupations related to this activity.
  • Interacting With Computers — Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information. See more occupations related to this activity.
  • Updating and Using Relevant Knowledge — Keeping up-to-date technically and applying new knowledge to your job. See more occupations related to this activity.
  • Documenting/Recording Information — Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form. See more occupations related to this activity.
  • Processing Information — Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data. See more occupations related to this activity.
  • Resolving Conflicts and Negotiating with Others — Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others. See more occupations related to this activity.
  • Establishing and Maintaining Interpersonal Relationships — Developing constructive and cooperative working relationships with others, and maintaining them over time. See more occupations related to this activity.
  • Making Decisions and Solving Problems — Analyzing information and evaluating results to choose the best solution and solve problems. See more occupations related to this activity.
  • Performing for or Working Directly with the Public — Performing for people or dealing directly with the public. This includes serving customers in restaurants and stores, and receiving clients or guests. See more occupations related to this activity.
  • Selling or Influencing Others — Convincing others to buy merchandise/goods or to otherwise change their minds or actions. See more occupations related to this activity.
  • Organizing, Planning, and Prioritizing Work — Developing specific goals and plans to prioritize, organize, and accomplish your work. See more occupations related to this activity.
  • Training and Teaching Others — Identifying the educational needs of others, developing formal educational or training programs or classes, and teaching or instructing others. See more occupations related to this activity.
  • Judging the Qualities of Things, Services, or People — Assessing the value, importance, or quality of things or people. See more occupations related to this activity.

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Detailed Work Activities

  • Prepare documentation for contracts, transactions, or regulatory compliance. See more occupations related to this activity.
  • Compile data or documentation. See more occupations related to this activity.
  • Search files, databases or reference materials to obtain needed information. See more occupations related to this activity.
  • Interview employees, customers, or others to collect information. See more occupations related to this activity.
  • Analyze financial information. See more occupations related to this activity.
  • Discuss account status or activity with customers or patrons. See more occupations related to this activity.
  • Obtain personal or financial information about customers or applicants. See more occupations related to this activity.

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Work Context

  • Telephone — 100% responded “Every day.” See more occupations related to this work context.
  • Contact With Others — 96% responded “Constant contact with others.” See more occupations related to this work context.
  • Electronic Mail — 79% responded “Every day.” See more occupations related to this work context.
  • Spend Time Sitting — 78% responded “Continually or almost continually.” See more occupations related to this work context.
  • Importance of Being Exact or Accurate — 73% responded “Extremely important.” See more occupations related to this work context.
  • Importance of Repeating Same Tasks — 63% responded “Extremely important.” See more occupations related to this work context.
  • Work With Work Group or Team — 78% responded “Extremely important.” See more occupations related to this work context.
  • Deal With External Customers — 79% responded “Extremely important.” See more occupations related to this work context.
  • Structured versus Unstructured Work — 27% responded “Some freedom.” See more occupations related to this work context.
  • Time Pressure See more occupations related to this work context.
  • Face-to-Face Discussions — 71% responded “Every day.” See more occupations related to this work context.
  • Impact of Decisions on Co-workers or Company Results — 76% responded “Very important results.” See more occupations related to this work context.
  • Frequency of Decision Making — 15% responded “Once a year or more but not every month.” See more occupations related to this work context.
  • Frequency of Conflict Situations — 27% responded “Once a month or more but not every week.” See more occupations related to this work context.
  • Letters and Memos — 24% responded “Once a month or more but not every week.” See more occupations related to this work context.
  • Freedom to Make Decisions — 21% responded “Very little freedom.” See more occupations related to this work context.
  • Deal With Unpleasant or Angry People — 29% responded “Once a month or more but not every week.” See more occupations related to this work context.
  • Duration of Typical Work Week See more occupations related to this work context.
  • Spend Time Making Repetitive Motions — 28% responded “About half the time.” See more occupations related to this work context.
  • Responsibility for Outcomes and Results — 18% responded “Limited responsibility.” See more occupations related to this work context.
  • Physical Proximity — 25% responded “Moderately close (at arm's length).” See more occupations related to this work context.
  • Sounds, Noise Levels Are Distracting or Uncomfortable — 27% responded “Once a month or more but not every week.” See more occupations related to this work context.
  • Consequence of Error — 20% responded “Not serious at all.” See more occupations related to this work context.
  • Indoors, Environmentally Controlled See more occupations related to this work context.
  • Degree of Automation — 76% responded “Moderately automated.” See more occupations related to this work context.
  • Coordinate or Lead Others — 23% responded “Extremely important.” See more occupations related to this work context.
  • Level of Competition — 24% responded “Highly competitive.” See more occupations related to this work context.

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Job Zone

Title Job Zone Two: Some Preparation Needed
Education These occupations usually require a high school diploma.
Related Experience Some previous work-related skill, knowledge, or experience is usually needed. For example, a teller would benefit from experience working directly with the public.
Job Training Employees in these occupations need anywhere from a few months to one year of working with experienced employees. A recognized apprenticeship program may be associated with these occupations.
Job Zone Examples These occupations often involve using your knowledge and skills to help others. Examples include sheet metal workers, forest fire fighters, customer service representatives, physical therapist aides, salespersons (retail), and tellers.
SVP Range (4.0 to < 6.0)

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Education


Percentage of Respondents
Education Level Required
Not available High school diploma or equivalent Help
Not available Bachelor's degree
Not available Some college, no degree

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Credentials

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Interests

Interest code: CE

  • Conventional — Conventional occupations frequently involve following set procedures and routines. These occupations can include working with data and details more than with ideas. Usually there is a clear line of authority to follow. See more occupations related to this interest.
  • Enterprising — Enterprising occupations frequently involve starting up and carrying out projects. These occupations can involve leading people and making many decisions. Sometimes they require risk taking and often deal with business. See more occupations related to this interest.

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Work Styles

  • Self Control — Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations. See more occupations related to this work style.
  • Attention to Detail — Job requires being careful about detail and thorough in completing work tasks. See more occupations related to this work style.
  • Integrity — Job requires being honest and ethical. See more occupations related to this work style.
  • Dependability — Job requires being reliable, responsible, and dependable, and fulfilling obligations. See more occupations related to this work style.
  • Cooperation — Job requires being pleasant with others on the job and displaying a good-natured, cooperative attitude. See more occupations related to this work style.
  • Stress Tolerance — Job requires accepting criticism and dealing calmly and effectively with high stress situations. See more occupations related to this work style.
  • Independence — Job requires developing one's own ways of doing things, guiding oneself with little or no supervision, and depending on oneself to get things done. See more occupations related to this work style.
  • Initiative — Job requires a willingness to take on responsibilities and challenges. See more occupations related to this work style.
  • Persistence — Job requires persistence in the face of obstacles. See more occupations related to this work style.
  • Social Orientation — Job requires preferring to work with others rather than alone, and being personally connected with others on the job. See more occupations related to this work style.
  • Achievement/Effort — Job requires establishing and maintaining personally challenging achievement goals and exerting effort toward mastering tasks. See more occupations related to this work style.
  • Analytical Thinking — Job requires analyzing information and using logic to address work-related issues and problems. See more occupations related to this work style.
  • Concern for Others — Job requires being sensitive to others' needs and feelings and being understanding and helpful on the job. See more occupations related to this work style.

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Work Values

  • Support — Occupations that satisfy this work value offer supportive management that stands behind employees. Corresponding needs are Company Policies, Supervision: Human Relations and Supervision: Technical. See more occupations related to this work value.
  • Relationships — Occupations that satisfy this work value allow employees to provide service to others and work with co-workers in a friendly non-competitive environment. Corresponding needs are Co-workers, Moral Values and Social Service. See more occupations related to this work value.
  • Independence — Occupations that satisfy this work value allow employees to work on their own and make decisions. Corresponding needs are Creativity, Responsibility and Autonomy. See more occupations related to this work value.

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Related Occupations

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Wages & Employment Trends

Median wages data collected from Credit Authorizers, Checkers, and Clerks.
Employment data collected from Credit Authorizers, Checkers, and Clerks.
Industry data collected from Credit Authorizers, Checkers, and Clerks.

Median wages (2014) $16.61 hourly, $34,550 annual
State wages Local Salary Info
 
Employment (2012) 52,000 employees
Projected growth (2012-2022) Decline (-3% or lower) Decline (-3% or lower)
Projected job openings (2012-2022) 6,100
State trends Employment Trends
 
Top industries (2012)

Source: Bureau of Labor Statistics 2014 wage data external site and 2012-2022 employment projections external site. "Projected growth" represents the estimated change in total employment over the projections period (2012-2022). "Projected job openings" represent openings due to growth and replacement.

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Job Openings on the Web

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Sources of Additional Information

Disclaimer: Sources are listed to provide additional information on related jobs, specialties, and/or industries. Links to non-DOL Internet sites are provided for your convenience and do not constitute an endorsement.

  • Financial Clerks external site. Bureau of Labor Statistics, U.S. Department of Labor. Occupational Outlook Handbook, 2014-15 Edition.

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