---
title: "Credit Authorizer, Checker, and Clerk"
description: "Authorize credit charges against customers' accounts. Investigate history and credit standing of individuals or business establishments applying for…"
canonical: "https://nuecareer.com/careers/credit-authorizer-checker-and-clerk"
last-updated: "2026-10-09T10:57:55.138Z"
---

# Credit Authorizer, Checker, and Clerk

**Category:** Office and Administrative Support · **SOC code:** 43-4041 · **O\*NET-SOC code:** 43-4041.00

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.

Also advertised as: Commercial Credit Reviewer; Commercial Loan Reviewer; Credit Investigator; Credit Processor; Credit Representative.

## At a glance

- **Median annual wage:** $50,080 (BLS OEWS, May 2025)
- **Median hourly wage:** $24.08/hr
- **Wage range (10th–90th percentile):** $30,260 to $72,700, with the middle half between $40,520 and $60,860
- **Total US employment:** 12,030
- **Typical entry education:** High school
- **Preparation required:** Little or no preparation — O\*NET rates this "Job Zone 1-2: Very Little to Some Preparation Needed"
- **Projected growth:** -7.4% over 2025–2035 (BLS EP, 2025–2035)
- **Annual job openings:** 900 openings a year
- **AI-resilience score:** 16/100 — a NueCareer heuristic over O\*NET work activities and context, not a BLS or O\*NET figure

## Pay

National wage distribution, BLS OEWS, May 2025, across 12,030 US jobs.

| Percentile | Annual wage |
| --- | --- |
| 10th | $30,260 |
| 25th | $40,520 |
| 50th (median) | $50,080 |
| 75th | $60,860 |
| 90th | $72,700 |
| Mean (average) | $51,420 |

### Pay by state

The 15 highest-paying states, by median annual wage. The cost-of-living-adjusted column divides the state median by that state's BEA Regional Price Parity, so the columns answer different questions: the first is what the job pays there, the second is what that pay buys there.

| State | Median annual wage | Cost-of-living adjusted | Employment |
| --- | --- | --- | --- |
| TX | $62,930 | $64,838 | 1,180 |
| MN | $61,000 | $61,853 | 70 |
| WA | $59,840 | $55,918 | 110 |
| NJ | $59,400 | $54,593 | 600 |
| IL | $58,880 | $58,905 | 140 |
| NH | $58,620 | $56,276 | 110 |
| WI | $57,940 | $61,576 | 310 |
| OH | $57,120 | $61,569 | 490 |
| NY | $56,510 | $52,362 | 730 |
| MA | $55,300 | $52,290 | 250 |
| MO | $52,820 | $58,161 | 180 |
| CA | $51,950 | $46,920 | 590 |
| OR | $51,620 | $49,941 | 140 |
| UT | $51,260 | $51,849 | 150 |
| PA | $51,090 | $52,361 | 250 |

19 more states with published wage data are omitted here. The full table for all 34 states is at https://nuecareer.com/careers/credit-authorizer-checker-and-clerk/salary-by-state, or as JSON at https://nuecareer.com/api/v1/careers/credit-authorizer-checker-and-clerk.

## Outlook

BLS projects employment to move from 12,200 in the 2025–2035 base year to 11,300 by the end of the cycle — a loss of 900 jobs, or -7.4%. Declining: -7.4% against 3.5% projected for all occupations over the same cycle. About 900 openings a year are expected on average, counting openings from growth as well as from workers leaving the occupation permanently. Source: BLS EP, 2025–2035.

## How to get in

- **Typical entry education:** High school diploma or equivalent (BLS Employment Projections).
- **Preparation level:** Little or no preparation — O\*NET's preparation band for this occupation is "Job Zone 1-2: Very Little to Some Preparation Needed".
- **Related work experience typically required:** None.
- **Typical on-the-job training:** Moderate-term on-the-job training.

## What the work involves

- Compile and analyze credit information gathered by investigation.
- Keep records of customers' charges and payments.
- 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.
- 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.

## Skills and knowledge

### Essential skills

- Reading Comprehension — importance 3.6 on the O\*NET 1–5 importance scale
- Active Listening — importance 3.6 on the O\*NET 1–5 importance scale
- Speaking — importance 3.6 on the O\*NET 1–5 importance scale
- Critical Thinking — importance 3.3 on the O\*NET 1–5 importance scale
- Writing — importance 3.1 on the O\*NET 1–5 importance scale
- Monitoring — importance 3.0 on the O\*NET 1–5 importance scale
- Active Learning — importance 2.6 on the O\*NET 1–5 importance scale
- Mathematics — importance 2.5 on the O\*NET 1–5 importance scale

### Transferable skills

These are the skills that carry into other occupations, and they drive the related-occupation and career-change rankings on this site.

- Social Perceptiveness — importance 3.1 on the O\*NET 1–5 importance scale
- Time Management — importance 3.1 on the O\*NET 1–5 importance scale
- Coordination — importance 3.0 on the O\*NET 1–5 importance scale
- Service Orientation — importance 3.0 on the O\*NET 1–5 importance scale
- Judgment and Decision Making — importance 3.0 on the O\*NET 1–5 importance scale
- Instructing — importance 2.8 on the O\*NET 1–5 importance scale
- Complex Problem Solving — importance 2.8 on the O\*NET 1–5 importance scale
- Persuasion — importance 2.6 on the O\*NET 1–5 importance scale

### Knowledge areas

- Customer and Personal Service — importance 4.1 on the O\*NET 1–5 importance scale
- English Language — importance 3.7 on the O\*NET 1–5 importance scale
- Mathematics — importance 3.6 on the O\*NET 1–5 importance scale
- Law and Government — importance 3.4 on the O\*NET 1–5 importance scale
- Administrative — importance 3.3 on the O\*NET 1–5 importance scale
- Economics and Accounting — importance 3.3 on the O\*NET 1–5 importance scale

### Abilities

- Oral Comprehension — importance 3.6 on the O\*NET 1–5 importance scale
- Written Comprehension — importance 3.5 on the O\*NET 1–5 importance scale
- Oral Expression — importance 3.5 on the O\*NET 1–5 importance scale
- Problem Sensitivity — importance 3.5 on the O\*NET 1–5 importance scale
- Near Vision — importance 3.5 on the O\*NET 1–5 importance scale
- Deductive Reasoning — importance 3.3 on the O\*NET 1–5 importance scale

## Who it suits

O\*NET rates every occupation on the six Holland (RIASEC) interest areas, on a 1–7 scale. This occupation's strongest areas are Conventional (C), Enterprising (E), Social (S).

| Interest area | Score (1–7) |
| --- | --- |
| C — Conventional | 7.00 |
| E — Enterprising | 4.48 |
| S — Social | 3.39 |
| I — Investigative | 1.87 |
| R — Realistic | 1.00 |
| A — Artistic | 1.00 |

### Personality fit

These scores are **derived by NueCareer**, not published by any government agency: they are cosine similarities between a personality type's trait profile and this occupation's O\*NET interest and work-style ratings, expressed 0–100. Treat them as a starting point for exploration, not as evidence that a type belongs in a job.

| Type | Fit score (0–100) |
| --- | --- |
| ESFJ | 81.6 |
| ESTJ | 80.4 |
| ISFJ | 74.4 |
| ISTJ | 67.1 |
| ENFJ | 61.4 |

Best-fitting types: ESFJ, ESTJ.

## Related occupations

O\*NET's primary related occupations, in its own ranked order.

- [Credit Analyst](https://nuecareer.com/careers/credit-analyst) — median $83,510
- [Loan Interviewer and Clerk](https://nuecareer.com/careers/loan-interviewer-and-clerk) — median $50,020
- [Loan Officer](https://nuecareer.com/careers/loan-officer) — median $76,690
- [Bill and Account Collector](https://nuecareer.com/careers/bill-and-account-collector) — median $47,030
- [Credit Counselor](https://nuecareer.com/careers/credit-counselor) — median $52,230
- [Customer Service Representative](https://nuecareer.com/careers/customer-service-representative) — median $44,770
- [Bookkeeping, Accounting, and Auditing Clerk](https://nuecareer.com/careers/bookkeeping-accounting-and-auditing-clerk) — median $50,670
- [Insurance Claim and Policy Processing Clerk](https://nuecareer.com/careers/insurance-claim-and-policy-processing-clerk) — median $49,230
- [New Accounts Clerk](https://nuecareer.com/careers/new-accounts-clerk) — median $47,670
- [Tax Examiner and Collector, and Revenue Agent](https://nuecareer.com/careers/tax-examiner-and-collector-and-revenue-agent) — median $62,370

## Sources

- **O\*NET** — O\*NET 31.0 Database, August 2026. https://www.onetcenter.org/database.html
- **BLS OEWS** — BLS Occupational Employment and Wage Statistics, May 2025. https://www.bls.gov/oes/
- **BLS EP** — BLS Employment Projections, Table 1.2, 2025–2035. https://www.bls.gov/emp/
- **BLS OOH** — BLS Occupational Outlook Handbook, 2025–2035 edition. https://www.bls.gov/ooh/
- **BEA RPP** — BEA Regional Price Parities by State, 2024. https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area

---

This bank includes information from the O\*NET 31.0 Database by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA). Used under the CC BY 4.0 license (https://creativecommons.org/licenses/by/4.0/). O\*NET® is a trademark of USDOL/ETA. NueCareer has transformed the data by joining it to BLS wage and projection data and deriving facet, personality-fit and AI-resilience scores. BLS and BEA data are public domain (17 U.S.C. §105).

O\*NET content is used under [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/). How these figures are sourced and derived: https://nuecareer.com/careers/methodology

JSON representation of this page: https://nuecareer.com/api/v1/careers/credit-authorizer-checker-and-clerk