Will “Credit Representative” be Automated?

Core Skills & Abilities

• Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.

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

• Consult with customers to resolve complaints or verify financial or credit transactions.

• Contact former employers and other acquaintances to verify applicants' references, employment, health history, or social behavior.

• Relay credit report information to subscribers by mail or by telephone.

• Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.

• Keep records of customers' charges and payments.

• Compile and analyze credit information gathered by investigation.

• Prepare credit cards or charge account plates.

• Call customers to collect payment on delinquent accounts.

• Review individual or commercial customer files to identify and select delinquent accounts for collection.

• File sales slips in customers' ledgers for billing purposes.

• Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.

• Mail charge statements to customers.

• Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.

• Prepare reports of findings and recommendations.