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Companies know that extending credit is risky business.

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Credit authorizers, checkers and clerks work to reduce that risk.

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Credit clerks assemble the documents and process

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transactions involved in loan and credit applications.

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Checkers verify the information on application forms.

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They may interview applicants to gather personal and financial data.

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Checkers contact banks, credit bureaus and other sources

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for facts about an applicant’s earnings, spending, and bill-paying habits.

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At times, they may need to deal with unpleasant or upset people.

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Authorizers decide whether to approve or

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deny the request for a credit account

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or for a new charge to an existing line of credit.

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They assess credit histories for accounts that are past due,

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overextended or in some way invalid.

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A high school education is generally

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required for an entry-level position.

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Helpful qualifications include fluency in another language

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especially Spanish, strong keyboarding skills,

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and a solid grasp of business math.

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Because electronic records and communication

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are streamlining this field, the field is not growing.

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But where the work is needed, this is a career

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where a job done well is certainly a credit to your company.