Credit Authorizers

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Credit Authorizers

Authorize credit charges against customers' accounts.

Activities
Degrees
Abilities
Interests
Knowledge
Wages
Related
Skills
Tasks
Environment
Personal Styles
Personal Needs
Personal Values

Degrees

Banking and Financial Support Services

Abilities

Oral Comprehension

The ability to listen to and understand information and ideas presented through spoken words and sentences.

Oral Expression

The ability to communicate information and ideas in speaking so others will understand.

Written Expression

The ability to communicate information and ideas in writing so others will understand.

The ability to see details at close range (within a few feet of the observer).

Written Comprehension

The ability to read and understand information and ideas presented in writing.

Deductive Reasoning

The ability to apply general rules to specific problems to produce answers that make sense.

Inductive Reasoning

The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).

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 there is a problem.

Information Ordering

The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).

Category Flexibility

The ability to generate or use different sets of rules for combining or grouping things in different ways.

Speech Recognition

The ability to identify and understand the speech of another person.

The ability to speak clearly so others can understand you.

Selective Attention

The ability to concentrate on a task over a period of time without being distracted.

Flexibility of Closure

The ability to identify or detect a known pattern (a figure, object, word, or sound) that is hidden in other distracting material.

Number Facility

The ability to add, subtract, multiply, or divide quickly and correctly.

Speed of Closure

The ability to quickly make sense of, combine, and organize information into meaningful patterns.

Mathematical Reasoning

The ability to choose the right mathematical methods or formulas to solve a problem.

Finger Dexterity

The ability to make precisely coordinated movements of the fingers of one or both hands to grasp, manipulate, or assemble very small objects.

Fluency of Ideas

The ability to come up with a number of ideas about a topic (the number of ideas is important, not their quality, correctness, or creativity).

Perceptual Speed

The ability to quickly and accurately compare similarities and differences among sets of letters, numbers, objects, pictures, or patterns. The things to be compared may be presented at the same time or one after the other. This ability also includes comparing a presented object with a remembered object.

The ability to shift back and forth between two or more activities or sources of information (such as speech, sounds, touch, or other sources).

The ability to see details at a distance.

The ability to come up with unusual or clever ideas about a given topic or situation, or to develop creative ways to solve a problem.

The ability to remember information such as words, numbers, pictures, and procedures.

The ability to imagine how something will look after it is moved around or when its parts are moved or rearranged.

Visual Color Discrimination

The ability to match or detect differences between colors, including shades of color and brightness.

Auditory Attention

The ability to focus on a single source of sound in the presence of other distracting sounds.

Control Precision

The ability to quickly and repeatedly adjust the controls of a machine or a vehicle to exact positions.

Manual Dexterity

The ability to quickly move your hand, your hand together with your arm, or your two hands to grasp, manipulate, or assemble objects.

Arm-Hand Steadiness

The ability to keep your hand and arm steady while moving your arm or while holding your arm and hand in one position.

Glare Sensitivity

The ability to see objects in the presence of glare or bright lighting.

Hearing Sensitivity

The ability to detect or tell the differences between sounds that vary in pitch and loudness.

Depth Perception

The ability to judge which of several objects is closer or farther away from you, or to judge the distance between you and an object.

The ability to use your abdominal and lower back muscles to support part of the body repeatedly or continuously over time without 'giving out' or fatiguing.

Interests

Conventional occupations frequently involve following set procedures and routines. These occupations can include working with data and details more than with ideas. Usually there is a clear line of authority to follow.

First Interest High-Point

Primary-Rank Descriptiveness

Second Interest High-Point

Secondary-Cutoff/Rank Descriptiveness

Enterprising occupations frequently involve starting up and carrying out projects. These occupations can involve leading people and making many decisions. Sometimes they require risk taking and often deal with business.

Realistic occupations frequently involve work activities that include practical, hands-on problems and solutions. They often deal with plants, animals, and real-world materials like wood, tools, and machinery. Many of the occupations require working outside, and do not involve a lot of paperwork or working closely with others.

Social occupations frequently involve working with, communicating with, and teaching people. These occupations often involve helping or providing service to others.

Investigative occupations frequently involve working with ideas, and require an extensive amount of thinking. These occupations can involve searching for facts and figuring out problems mentally.

Artistic occupations frequently involve working with forms, designs and patterns. They often require self-expression and the work can be done without following a clear set of rules.

Knowledge

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.

Administration and Management

Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.

Economics and Accounting

Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.

Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.

English Language

Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

Computers and Electronics

Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.

Education and Training

Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.

Law and Government

Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.

Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders.

Sales and Marketing

Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.

Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.

Production and Processing

Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.

Personnel and Human Resources

Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems.

Communications and Media

Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.

Telecommunications

Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.

Public Safety and Security

Knowledge of relevant equipment, policies, procedures, and strategies to promote effective local, state, or national security operations for the protection of people, data, property, and institutions.

Knowledge of machines and tools, including their designs, uses, repair, and maintenance.

Knowledge of principles and methods for describing the features of land, sea, and air masses, including their physical characteristics, locations, interrelationships, and distribution of plant, animal, and human life.

Building and Construction

Knowledge of materials, methods, and the tools involved in the construction or repair of houses, buildings, or other structures such as highways and roads.

Engineering and Technology

Knowledge of the practical application of engineering science and technology. This includes applying principles, techniques, procedures, and equipment to the design and production of various goods and services.

Food Production

Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.

Therapy and Counseling

Knowledge of principles, methods, and procedures for diagnosis, treatment, and rehabilitation of physical and mental dysfunctions, and for career counseling and guidance.

Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models.

Sociology and Anthropology

Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures and their history and origins.

Knowledge and prediction of physical principles, laws, their interrelationships, and applications to understanding fluid, material, and atmospheric dynamics, and mechanical, electrical, atomic and sub- atomic structures and processes.

History and Archeology

Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.

Foreign Language

Knowledge of the structure and content of a foreign (non-English) language including the meaning and spelling of words, rules of composition and grammar, and pronunciation.

Philosophy and Theology

Knowledge of different philosophical systems and religions. This includes their basic principles, values, ethics, ways of thinking, customs, practices, and their impact on human culture.

Medicine and Dentistry

Knowledge of the information and techniques needed to diagnose and treat human injuries, diseases, and deformities. This includes symptoms, treatment alternatives, drug properties and interactions, and preventive health-care measures.

Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.

Knowledge of the chemical composition, structure, and properties of substances and of the chemical processes and transformations that they undergo. This includes uses of chemicals and their interactions, danger signs, production techniques, and disposal methods.

Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture.

Wages

Iowa	$27,740.00

Ohio	$27,820.00

Utah	$26,620.00

Related Careers

Insurance Claims & Policy Processing Clerks

Obtain information from insured or designated persons for purpose of settling claim with insurance carrier.

Issue licenses or permits to qualified applicants. Obtain necessary information; record data; advise applicants on requirements; collect fees; and issue licenses. May conduct oral, written, visual, or performance testing.

Print and attach price tickets to articles of merchandise using one or several methods, such as marking price on tickets by hand or using ticket-printing machine.

Municipal Clerks

Draft agendas and bylaws for town or city council; record minutes of council meetings; answer official correspondence; keep fiscal records and accounts; and prepare reports on civic needs.

Office Clerks, General

Perform duties too varied and diverse to be classified in any specific office clerical occupation, requiring limited knowledge of office management systems and procedures. Clerical duties may be assigned in accordance with the office procedures of individual establishments and may include a combination of answering telephones, bookkeeping, typing or word processing, stenography, office machine operation, and filing.

Order Fillers, Wholesale & Retail Sales

Fill customers' mail and telephone orders from stored merchandise in accordance with specifications on sales slips or order forms. Duties include computing prices of items, completing order receipts, keeping records of out-going orders, and requisitioning additional materials, supplies, and equipment.

Procurement Clerks

Compile information and records to draw up purchase orders for procurement of materials and services.

Statement Clerks

Prepare and distribute bank statements to customers, answer inquiries, and reconcile discrepancies in records and accounts.

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.

Reading Comprehension

Understanding written sentences and paragraphs in work related documents.

Talking to others to convey information effectively.

Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.

Service Orientation

Actively looking for ways to help people.

Active Learning

Understanding the implications of new information for both current and future problem-solving and decision-making.

Management of Personnel Resources

Motivating, developing, and directing people as they work, identifying the best people for the job.

Adjusting actions in relation to others' actions.

Judgment and Decision Making

Considering the relative costs and benefits of potential actions to choose the most appropriate one.

Persuading others to change their minds or behavior.

Teaching others how to do something.

Learning Strategies

Selecting and using training/instructional methods and procedures appropriate for the situation when learning or teaching new things.

Social Perceptiveness

Being aware of others' reactions and understanding why they react as they do.

Critical Thinking

Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

Communicating effectively in writing as appropriate for the needs of the audience.

Time Management

Managing one's own time and the time of others.

Bringing others together and trying to reconcile differences.

Management of Financial Resources

Determining how money will be spent to get the work done, and accounting for these expenditures.

Using mathematics to solve problems.

Operations Analysis

Analyzing needs and product requirements to create a design.

Complex Problem Solving

Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.

Equipment Selection

Determining the kind of tools and equipment needed to do a job.

Quality Control Analysis

Conducting tests and inspections of products, services, or processes to evaluate quality or performance.

Management of Material Resources

Obtaining and seeing to the appropriate use of equipment, facilities, and materials needed to do certain work.

Systems Evaluation

Identifying measures or indicators of system performance and the actions needed to improve or correct performance, relative to the goals of the system.

Operation and Control

Controlling operations of equipment or systems.

Systems Analysis

Determining how a system should work and how changes in conditions, operations, and the environment will affect outcomes.

Operation Monitoring

Watching gauges, dials, or other indicators to make sure a machine is working properly.

Technology Design

Generating or adapting equipment and technology to serve user needs.

Troubleshooting

Determining causes of operating errors and deciding what to do about it.

Installing equipment, machines, wiring, or programs to meet specifications.

Repairing machines or systems using the needed tools.

Equipment Maintenance

Performing routine maintenance on equipment and determining when and what kind of maintenance is needed.

Writing computer programs for various purposes.

Using scientific rules and methods to solve problems.

Tasks

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.

File sales slips in customers' ledgers for billing purposes.

Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.

Mail charge statements to customers.

Prepare credit cards or charge account plates.

Career Activities

Getting Information

obtain information from individuals

Updating and Using Relevant Knowledge

use knowledge of written communication in sales work

use oral or written communication techniques

Documenting/Recording Information

maintain telephone logs

prepare records of customer charges

Interacting With Computers

use computers to enter, access or retrieve data

Processing Information

compute financial data

verify bank or financial transactions

Evaluating Information to Determine Compliance with Standards

review credit applications

Making Decisions and Solving Problems

approve or deny credit applications

authorize credit charges

Performing Administrative Activities

fill out business or government forms

maintain records, reports, or files

prepare billing statements

Performing for or Working Directly with the Public

provide customer service

Controlling Machines and Processes

operate business machines

Career Context

Face-to-Face Discussions

Indoors, Environmentally Controlled

Contact With Others

Electronic Mail

Deal With External Customers

Letters and Memos

Frequency of Decision Making

Freedom to Make Decisions

Structured versus Unstructured Work

Impact of Decisions on Co-workers or Company Results

Work With Work Group or Team

Importance of Being Exact or Accurate

Coordinate or Lead Others

Spend Time Sitting

Importance of Repeating Same Tasks

Responsibility for Outcomes and Results

Spend Time Using Your Hands to Handle, Control, or Feel Objects, Tools, or Controls

Spend Time Making Repetitive Motions

Sounds, Noise Levels Are Distracting or Uncomfortable

Deal With Unpleasant or Angry People

Frequency of Conflict Situations

Consequence of Error

Extremely Bright or Inadequate Lighting

Indoors, Not Environmentally Controlled

Level of Competition

In an Enclosed Vehicle or Equipment

Responsible for Others' Health and Safety

Career Styles

Job requires being pleasant with others on the job and displaying a good-natured, cooperative attitude.

Stress Tolerance

Job requires accepting criticism and dealing calmly and effectively with high stress situations.

Job requires being honest and ethical.

Job requires being reliable, responsible, and dependable, and fulfilling obligations.

Job requires persistence in the face of obstacles.

Attention to Detail

Job requires being careful about detail and thorough in completing work tasks.

Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations.

Job requires developing one's own ways of doing things, guiding oneself with little or no supervision, and depending on oneself to get things done.

Job requires a willingness to take on responsibilities and challenges.

Job requires a willingness to lead, take charge, and offer opinions and direction.

Achievement/Effort

Job requires establishing and maintaining personally challenging achievement goals and exerting effort toward mastering tasks.

Adaptability/Flexibility

Job requires being open to change (positive or negative) and to considerable variety in the workplace.

Concern for Others

Job requires being sensitive to others' needs and feelings and being understanding and helpful on the job.

Analytical Thinking

Job requires analyzing information and using logic to address work-related issues and problems.

Job requires creativity and alternative thinking to develop new ideas for and answers to work-related problems.

Social Orientation

Job requires preferring to work with others rather than alone, and being personally connected with others on the job.

Career Needs

Working Conditions

Workers on this job have good working conditions.

Workers on this job are never pressured to do things that go against their sense of right and wrong.

Workers on this job have steady employment.

Workers on this job are busy all the time.

Supervision, Human Relations

Workers on this job have supervisors who back up their workers with management.

Company Policies and Practices

Workers on this job are treated fairly by the company.

Workers on this job do their work alone.

Workers on this job have co-workers who are easy to get along with.

Supervision, Technical

Workers on this job have supervisors who train their workers well.

Workers on this job have opportunities for advancement.

Workers on this job make decisions on their own.

Workers on this job are paid well in comparison with other workers.

Workers on this job have work where they do things for other people.

Workers on this job plan their work with little supervision.

Workers on this job are looked up to by others in their company and their community.

Ability Utilization

Workers on this job make use of their individual abilities.

Workers on this job get a feeling of accomplishment.

Workers on this job receive recognition for the work they do.

Workers on this job have something different to do every day.

Workers on this job give directions and instructions to others.

Workers on this job try out their own ideas.

Career Values

Occupations that satisfy this work value offer supportive management that stands behind employees. Corresponding needs are Company Policies, Supervision: Human Relations and Supervision: Technical.

Working Conditions

Occupations that satisfy this work value offer job security and good working conditions. Corresponding needs are Activity, Compensation, Independence, Security, Variety and Working Conditions.

Occupations that satisfy this work value allow employees to provide service to others and work with co-workers in a friendly non-competitive environment. Corresponding needs are Co-workers, Moral Values and Social Service.

Occupations that satisfy this work value allow employs to work on their own and make decisions. Corresponding needs are Creativity, Responsibility and Autonomy.

Occupations that satisfy this work value offer advancement, potential for leadership, and are often considered prestigious. Corresponding needs are Advancement, Authority, Recognition and Social Status.

Occupations that satisfy this work value are results oriented and allow employees to use their strongest abilities, giving them a feeling of accomplishment. Corresponding needs are Ability Utilization and Achievement.

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