What they do
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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.
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| Also called: |
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Commercial Credit Reviewer, Commercial Loan Reviewer, Credit Investigator, Credit Processor, Credit Representative
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Wages
Wage rates not available for Vermont
but may be for the nation and other states at
CareerOneStop |
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Industries of Employment
| United States - 2022 |
| Industry | Percent of total |
- Credit intermediation and related activities
| 39% |
- Administrative and support services
| 13% |
- Management of companies and enterprises
| 8% |
- Merchant wholesalers, durable goods
| 6% |
- Furniture, home furnishings, electronics, and appliance retailers
| 5% |
| More at BLS |
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Knowledge
| People in this career often know a lot about: |
- 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.
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- English Language
Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
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- Mathematics
Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
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- Law and Government
Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
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- Administrative
Knowledge of administrative and office procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and workplace terminology.
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| More at O*NET |
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Skills
| People in this career often have these 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.
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- Reading Comprehension
Understanding written sentences and paragraphs in work-related documents.
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- Speaking
Talking to others to convey information effectively.
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- Critical Thinking
Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
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- Social Perceptiveness
Being aware of others' reactions and understanding why they react as they do.
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| More at O*NET |
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Interests
| People in this career often prefer these work environments: |
- Conventional
Work involves following procedures and regulations to organize information or data, typically in a business setting. Conventional occupations are often associated with office work, accounting, mathematics/statistics, information technology, finance, or human resources.
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- Enterprising
Work involves managing, negotiating, marketing, or selling, typically in a business setting, or leading or advising people in political and legal situations. Enterprising occupations are often associated with business initiatives, sales, marketing/advertising, finance, management/administration, professional advising, public speaking, politics, or law.
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- Social
Work involves helping, teaching, advising, assisting, or providing service to others. Social occupations are often associated with social, health care, personal service, teaching/education, or religious activities.
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| What are your interests? Take the O*NET Interest Profiler |
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Work Styles
| People in this career will do well at jobs that need: |
- Integrity
Job requires being honest and ethical.
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- Dependability
Job requires being reliable, responsible, and dependable, and fulfilling obligations.
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- Cooperation
Job requires being pleasant with others on the job and displaying a good-natured, cooperative attitude.
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- Attention to Detail
Job requires being careful about detail and thorough in completing work tasks.
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- Self-Control
Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations.
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| More at O*NET |
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Tasks
| On the job, you would: |
- Keep records of customers' charges and payments.
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- Compile and analyze credit information gathered by investigation.
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- Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.
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- Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
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| More at O*NET |
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| Related Occupations
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| Career Video
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Projected Employment
Projected employment not available for Vermont
but may be for the nation and other states at
CareerOneStop |
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Education and Experience:
- Typical education needed for entry
High school diploma or equivalent
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- Work experience in a related occupation
None
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- Typical on-the-job training needed to attain competency
Moderate-term on-the-job training
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| Based on BLS Education and Training Classifications |
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Physical Work Activity
Performing physical activities that require considerable use of your arms and legs and moving your whole body, such as climbing, lifting, balancing, walking, stooping, and handling materials.
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- Physical activity is Somewhat Important
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- Level of activity is Very Low
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| Compare Occupations at O*NET |
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Job Zone
| Some Preparation Needed |
- Specific Vocational Preparation Range
(4.0 to < 6.0) - A typical worker will require
over 3 months up to and including 1 year
of training to achieve average performance in this occupation.
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| Based on O*Net Job Zones and SVP |
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Abilities
| People in this career often have talent in: |
- Oral Comprehension
The ability to listen to and understand information and ideas presented through spoken words and sentences.
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- Near Vision
The ability to see details at close range (within a few feet of the observer).
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- Oral Expression
The ability to communicate information and ideas in speaking so others will understand.
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- 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 that there is a problem.
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- Written Comprehension
The ability to read and understand information and ideas presented in writing.
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| More at O*NET |
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Work Activities
| In general, what you might do: |
- Getting Information
Observing, receiving, and otherwise obtaining information from all relevant sources.
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- Working with Computers
Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.
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- Communicating with People Outside the 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.
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- Communicating with Supervisors, Peers, or Subordinates
Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.
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- Documenting/Recording Information
Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.
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| More at O*NET |
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Detailed Work Activities
| What you might do in a day: |
- Analyze financial information.
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- Maintain financial or account records.
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- Compile data or documentation.
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- File documents or records.
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- Obtain personal or financial information about customers or applicants.
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| More at O*NET |
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Other Resources
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- CareerOneStop
resource for job seekers, students, businessess and career professionals
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- O*NET Online
nation's primary source of occupational information
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