Office and Administrative Support · Holland code CES
Credit Authorizers, Checkers, and Clerks
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 called: Commercial Credit Reviewer, Credit Investigator, Credit Processor, Credit Representative, Commercial Loan Reviewer.
O*NET 43-4041.00
At a glance
- US median annual pay
- $50,080
- Middle half earn $40,520 to $60,860. BLS OEWS, May 2025.
- Preparation needed
- Job Zone 2 of 5
- Some preparation. Zone 1 is little or none; zone 5 is graduate-level.
What the work involves
The tasks workers in this occupation rate as most important, from the O*NET survey.
- Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.
- Keep records of customers' charges and payments.
- Compile and analyze credit information gathered by investigation.
- File sales slips in customers' ledgers for billing purposes.
- 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.
- Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.
- Mail charge statements to customers.
Skills and knowledge it leans on
Skills
- Reading Comprehension3.6 / 5
- Active Listening3.6 / 5
- Speaking3.6 / 5
- Critical Thinking3.3 / 5
- Writing3.1 / 5
- Monitoring3.0 / 5
Knowledge areas
- Customer and Personal Service4.1 / 5
- English Language3.7 / 5
- Mathematics3.6 / 5
- Law and Government3.4 / 5
- Administrative3.3 / 5
- Economics and Accounting3.3 / 5
Importance ratings on O*NET’s 1 to 5 scale. Higher means the occupation depends on it more.
Who tends to enjoy it
How strongly this occupation draws on each of the six Holland interest types, which is the same profile the career interests test compares you against.
- Realistic0
- Investigative15
- Artistic0
- Social40
- Enterprising58
- Conventional100
The same work abroad
Other countries classify jobs differently, so these are the closest matches through the international ISCO-08 standard, not exact equivalents.
European occupation titles (ESCO)
- credit adviser · DE Kreditberater/Kreditberaterin · FR conseiller crédits/conseillère crédits
- credit analyst · DE Kreditprüfer/Kreditprüferin · FR analyste prêt bancaire
- credit risk analyst · DE Kreditrisikomanager/Kreditrisikomanagerin · FR analyste de risques crédits
- loan officer · DE Kreditsachbearbeiter/Kreditsachbearbeiterin · FR agent de prêts/agente de prêts
Closest UK occupation groups (SOC 2020)
- Credit controllers (4121)29,000 employed
- Office supervisors (4142)53,200 employed
- Bank and post office clerks (4123)66,300 employed
Employment is the UK Annual Population Survey for April 2025 to March 2026, all workers in the group, which can be broader than this one occupation.
Pay across Europe, for the whole group
Median annual earnings of all employees in “Technicians and associate professionals”. This is the broad ISCO group this occupation falls in, not the occupation itself, so treat it as context for the wage level, not as a salary for this job.
| Country | Median pay |
|---|---|
| Belgium | €50,992 |
| Austria | €46,986 |
| Germany | €44,473 |
| Netherlands | €42,448 |
| Ireland | €41,613 |
| Sweden | €41,155 |
| Italy | €34,882 |
| France | €34,816 |
| Spain | €29,757 |
| Portugal | €18,080 |
| Poland | €12,108 |
Eurostat Structure of Earnings Survey, businesses with ten or more employees outside public administration, in euro and not adjusted for the cost of living. Reference years differ between sources: the US, Japan and Europe figures on this page come from different survey years, so compare them as rough levels, not to the euro or yen.
Exposure to AI
This occupation sits in the higher third of the 774 occupations scored, with an exposure score of +1.44. The scores are standardized across those occupations, so 0 is the average and a score of 1 is about one standard deviation above it.
Our note on reading it: the dataset links AI applications to the abilities that occupations require, so the score reflects overlap between the two. It is a comparison between occupations, not a forecast about jobs. It does not say whether exposure means tasks are replaced or workers get more done with the tools, and it says little about one employer or one role.
Source: Felten, E., Raj, M., & Seamans, R. (2021). Occupational, industry, and geographic exposure to artificial intelligence: A novel dataset and its potential uses. Strategic Management Journal, 42(12), 2195-2217. Matched to this page by 6-digit SOC code (43-4041).
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