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Credit Checkers and Authorizers

At a Glance

  • Approve or deny requests for credit
  • Have good analytical and organization skills
  • Regularly interact with people
  • Sit for long periods of time
  • Train on the job

Career summary

Credit checkers and authorizers review the credit history of clients. They approve or deny requests for credit.

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Credit checkers

Credit checkers review applications for credit cards and loans. They make sure that applications are complete. If information is missing, they contact applicants. Credit checkers contact credit bureaus and banks for information. They call employers to verify applicants' employment.

Once checkers have all the information, they calculate debt-to-income ratios. They determine if applicants meet the guidelines for loans. For large loans such as mortgages, checkers send the application to an underwriter for approval. For credit card applications, checkers assess applicants' credit history and decide if they are able to pay the charges. Once their research is complete, they send reports to applicants about their decision.

Some credit checkers work in credit bureaus. They secure and update credit data. They also confirm information for credit reports. These workers are often called credit investigators or reporters.

Credit authorizers

Credit authorizers decide whether to allow additional charges on accounts that are past-due or overextended. Authorizers review customers' charges. They also look at their payment histories. They decide whether or not to approve new charges. Authorizers also track customers' spending.

Related careers

This career is part of the Finance cluster of careers.

Related careers include:

Job duties

Task list

The following list of tasks is specific to credit checkers and authorizers.

Common work activities

Credit checkers and authorizers perform the following tasks. These tasks are common to many careers.

Work requirements

Working conditions

In a typical work setting, credit checkers and authorizers:

Interpersonal relationships

Physical work conditions

Work performance


Physical demands

Credit checkers and authorizers frequently:

It is important for credit checkers and authorizers to be able to:

It is not as important, but still necessary, for credit checkers and authorizers to be able to:

Skills and abilities

Credit checkers and authorizers need to:


Reason and problem solve

Manage oneself, people, time, and things

Work with people

Education and training

Educational programs

The programs of study listed below will help you prepare for the occupation or career cluster you are exploring.

Programs of study to consider


To work as a credit checker or authorizer, you typically need to:

Education after high school

No formal education is required for this occupation beyond high school. However, some credit workers take courses offered by banking and credit associations, vocational schools, or colleges and universities.

On-the-job training

Most credit checkers and authorizers learn their skills through on-the-job training. You work under the supervision of an experienced staff member. Some firms offer formal training. This training may include phone etiquette, computer use, and customer service skills. In general, training lasts up to one year.

Helpful high school courses

You should take a general high school curriculum that meets the state's graduation requirements. You will be required to take both math and science classes to graduate.

Helpful electives to take in high school that prepare you for this career include:

The courses listed above are meant to help you create your high school plan. If you have not already done so, talk to a school counselor or parent about the courses you are considering taking.

You should also check with a teacher or counselor to see if work-based learning opportunities are available in your school and community. These might include field trips, job shadowing, internships, and actual work experience. The goal of these activities is to help you connect your school experiences with real-life work.

Join some groups, try some hobbies, or volunteer with an organization that interests you. By participating in activities you can have fun, make new friends, and learn about yourself. Maybe one of them will help direct you to a future career. Here are examples of activities and groups that may be available in your high school or community.

Things to know

Most employers prefer to hire credit checkers and authorizers who have at least a high school diploma or equivalent. They look for applicants who have good communication skills. They also look for good telephone and organizational skills. Employers prefer to hire people who can pay attention to details and meet deadlines. Credit checkers and authorizers must be able to enter and retrieve data quickly from computers.

Costs to workers

Some workers may join a professional association and pay annual dues. Costs vary and are sometimes paid by the employer. Additional costs may include appropriate business attire.

Job listings

Listed below are links to job categories from the National Labor Exchange that relate to this career. Once you get a list of jobs, you can view information about individual jobs and find out how to apply. If your job search finds too many openings, or if you wish to search for jobs outside of Washington, you will need to refine your search.

To get a listing of current jobs from the WorkSource system, go to the WorkSource website (external link).


Credit authorizers, checkers, and clerks (SOC 43-4041)

Pay Period
Washington Hourly $11.86 $15.05 $18.50 $22.65 $28.80
Monthly $2,055 $2,608 $3,206 $3,925 $4,991
Yearly $24,670 $31,310 $38,480 $47,120 $59,900
    Seattle-Tacoma-Bellevue Hourly $12.03 $13.59 $18.48 $22.28 $25.28
Monthly $2,085 $2,355 $3,203 $3,861 $4,381
Yearly $25,003 $28,266 $38,437 $46,328 $52,584
    Vancouver Hourly $16.00 $18.01 $21.67 $25.98 $30.28
Monthly $2,773 $3,121 $3,755 $4,502 $5,248
Yearly $33,281 $37,461 $45,078 $54,038 $62,988
United States Hourly $12.76 $15.23 $18.63 $23.28 $28.50
Monthly $2,211 $2,639 $3,229 $4,034 $4,939
Yearly $26,540 $31,670 $38,750 $48,430 $59,270

Credit checkers who work for mortgage bankers generally earn higher wages than those at credit unions or personal credit institutions.

Most credit checkers and authorizers who work full time receive benefits. These may include health insurance, paid vacation, and sick leave. Credit authorizers who work for retail stores may receive discounts on store products.

Employment and outlook

Washington outlook


The table below provides information about the number of workers in this career in various regions. It also provides information about the expected growth rate and future job openings.

Credit Authorizers, Checkers, and Clerks (SOC 43-4041)

Location Current employment Growth over 10 years Annual openings
Washington 155 13.5% 16.1% 20
    Adams, Chelan, Douglas, Grant, and Okanogan Counties 10 0.0% 13.4% 1
    Island, San Juan, Skagit, and Whatcom Counties 12 8.3% 14.6% 1
    King County 80 26.3% 19.6% 13
    Pierce County 11 9.1% 15.2% 1
    Snohomish County 12 8.3% 12.4% 1
United States 30,300 -4.6% 5.2% 2,800

National employment

Major employers:

National outlook

Demand for credit checkers and authorizers will decline. This is because most credit score searches can be done online. More loans will also be processed online which means it will take fewer credit checkers to do this work. This occupation is also sensitive to the state of the economy. When the economy is strong, many people want credit and employment opportunities may be better.

Job openings will occur as people leave this occupation.

Other resources

Consumer Data Industry Association (external link)
1090 Vermont Avenue NW, Suite 200
Washington, DC 20005
Credit Professionals International (external link)
National Association of Consumer Credit Administrators (external link)
1000 Potomac Street, NW
Suite 108
Washington, DC 20007
National Association of Credit Management (external link)
8840 Columbia 100 Pkwy
Columbia, MD 21045


Career cluster

Career path

O*Net (external link) occupations

O*Net job zones (external link)

DOT occupations

Strong Interest Inventory

Holland occupational cluster