How to become a Credit Authorizer, Checker or Clerk

Official title: Credit Authorizers, Checkers, and Clerks

Also called: Commercial Credit Reviewer, Commercial Loan Reviewer, Credit Investigator, Credit Processor, Credit Representative

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.

Main tasks

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

How to become one

A high school diploma is typically required for most financial clerk positions. These workers typically learn their job duties through on-the-job training.

Typical education to start: High school diploma or equivalent

Read the full guide from the U.S. Bureau of Labor Statistics

Pay · Outlook · AI and this job

• Median pay: $50,080 a year The middle half earn $40,520 to $60,860.
• About 12,200 people work in this job now, and about 11,300 are projected by 2035. (-7.4%)
• People already use generative AI for some of this work. Microsoft Research rates its AI applicability as medium.

Related jobs

• Interviewers, Except Eligibility and Loan
• Library Assistants, Clerical
• Brokerage Clerks
• Correspondence Clerks
• Court, Municipal, and License Clerks
• Customer Service Representatives

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Questions people ask

How do I become a Credit Authorizer, Checker or Clerk?

A high school diploma is typically required for most financial clerk positions. These workers typically learn their job duties through on-the-job training.

How much does a Credit Authorizer, Checker or Clerk earn in the US?

Median full-time pay is $50,080 a year (U.S. Bureau of Labor Statistics). The middle half earn $40,520 to $60,860.

Is a Credit Authorizer, Checker or Clerk a growing career in the US?

Employment is projected to fall 7% by 2035, from about 12,200 to about 11,300 people (U.S. Bureau of Labor Statistics).

Do you need a degree to become a Credit Authorizer, Checker or Clerk?

Not always. 30% of people in this job hold a bachelor's degree or higher.

Will AI change the work of a Credit Authorizer, Checker or Clerk?

People already use generative AI for some of this work. Microsoft Research rates its AI applicability as medium.

Sources

• Microsoft Research: Working with AI: AI applicability by occupation (2025-12-22 (built on O*NET 29.0)), CC BY 4.0, retrieved 2026-10-03
• U.S. Bureau of Labor Statistics: Employment Projections (2025-35 (released 2026-08-27)), Public domain (BLS), retrieved 2026-10-03
• U.S. Bureau of Labor Statistics: Occupational Outlook Handbook (2025-35 edition (published 2026-08-27)), Public domain (BLS); photographs excluded, retrieved 2026-10-03
• U.S. Bureau of Labor Statistics: Occupational Employment and Wage Statistics (May 2025), Public domain (BLS), retrieved 2026-10-03

Updated 2026-10-03

This page 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. O*NET is a trademark of USDOL/ETA.