Credit Authorizers, Checkers, and Clerks
Also called: Accounts Receivable Coordinator, Authorizer, Branch Processor, Call Out Operator, Charge Authorizer, Collector, Commercial Credit Advisor, Commercial Credit Analyst
Authorize credit charges against customers' accounts.
What credit authorizers, checkers, and clerks do
Typical 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.
- Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.
- 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.
- Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.
- Relay credit report information to subscribers by mail or by telephone.
- Prepare credit cards or charge account plates.
- Call customers to collect payment on delinquent accounts.
Typical path into the job (BLS)
Credit Authorizers, Checkers, and Clerks salary
The median annual wage for credit authorizers, checkers, and clerks is $50,080 (BLS OEWS May 2025; BLS Employment Projections 2025–35, national). The lowest 10 percent earn less than $30,260 and the highest 10 percent earn more than $72,700. The mean annual wage is $51,420.
The mean hourly wage of $24.00 is 3.3× the federal minimum wage of $7.25. State minimums are higher in most large states. Minimum wage by state →
How does your pay compare with people your age?
Your numbers are not sent or stored. The comparison uses this occupation's BLS wage percentiles, adjusted for age with BLS median weekly earnings by age group (Q3 2026).
Pay by percentile
Annual wage percentiles from the BLS Occupational Employment and Wage Statistics (OEWS). Percentiles are a good proxy for pay by experience.
Projected pay for Credit Authorizers, Checkers, and Clerks (3, 5 and 10 years)est.
Today $50,080 → in 3 years $52,100 → in 5 years $53,500 → in 10 years $57,100 (10-year range $49,100–$66,300). The model assumes pay growth of +1.3% per year.
What drives the annual growth rate
Projected pay = current pay × (1 + annual growth)^years. The annual growth rate starts from a base wage-growth rate and adds or subtracts labor demand (BLS projected employment growth), wage momentum and AI replacement risk for each occupation. Projections are not guarantees. How it is calculated →
Outlook score for Credit Authorizers, Checkers, and Clerks
Each component is a percentile rank among all occupations in the same country (0–100). Weights: labor demand 25, wage momentum / openings 15, pay level 15, AI resistance 25, aging workforce 10 (Japan only), entry barrier 10.
Will AI replace Credit Authorizers, Checkers, and Clerks? AI replacement risk
How AI is changing this job
A written analysis for this occupation is being prepared.
AI replacement risk compares the parts of a job that are easy to hand to AI or software (processing information, documentation, repetitive computer work) with the parts that are hard to automate (physical work, working closely with people, judgment in unpredictable settings), using O*NET work activities, work context, skills and knowledge. The result is a relative position among all occupations in the country, scaled to 0–100%. Methodology →
Labor demand for Credit Authorizers, Checkers, and Clerks
Employment projections are from the BLS Employment Projections program (2025–35). Annual openings include both new jobs and replacement of workers who leave the occupation.
Skills, education and requirements for Credit Authorizers, Checkers, and Clerks
Key skills
O*NET skill level ratings (0–7).
Key knowledge areas
What the work involves
Important abilities
Job Zone 2 — some preparation needed (O*NET)
Difficulty of entry: ★★☆☆☆ Fairly easy (from education, training, experience and Job Zone)
How to become credit authorizers, checkers, and clerks
A step-by-step guide for this occupation is being prepared. The education, training and experience data above show the typical path.
Career path and how to earn more as credit authorizers, checkers, and clerks
Career-path guidance is being prepared. Pay by percentile is shown in the Pay section.