Credit Authorizers, Checkers, and Clerks
Also called: Commercial Credit Reviewer, Credit Investigator, Credit Processor, Credit RepresentativeAuthorize 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.
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What the data says: AI could halve the time on 14 of its 16 tasks, and jobs are projected to shrink 7.4% by 2035. In the most exposed occupations, the squeeze shows up first among early-career workers. How to think about this →
About this projection
BLS builds AI into its projections where the research supports it: “BLS generally applies adjustments based on this research conservatively, where there is convincing evidence for a change.”
It also notes a limit: “BLS projection methods are not designed to capture extremely rapid technological change.”
On its AI exposure groups, BLS says exposure “does not imply job loss.”
Recent conditions
- In 2024, 3.0% of people in this work were unemployed, against 3.8% across all occupations Census ACS 2024
- From Sep 2025 to Aug 2026, 4.3 hires for every 10 job openings in finance and insurance, which employs about 27% of people in this work, against 7.3 across all industries BLS JOLTS
One box per opening, filled for each hire; hires beyond the openings are added in a lighter shade. Higher can mean openings get filled, or that people leave often; lower, that jobs go unfilled, or hiring is slow.4.3 this industry7.3 all industries
Median pay by state BLS OEWS May 2025, state estimates
Tap a state for its figures.
Median pay in every state
| State | Median | Middle half earn | Jobs |
|---|---|---|---|
| Alabama | $35,990 | $25,860 to $59,990 | 330 |
| Arizona | not published | not published | 130 |
| Arkansas | not published | not published | 160 |
| California | $51,950 | $48,120 to $61,530 | 590 |
| Colorado | $50,820 | $41,700 to $51,490 | 210 |
| Connecticut | not published | not published | 60 |
| Florida | $41,810 | $30,110 to $51,970 | 930 |
| Georgia | $30,490 | $27,440 to $43,340 | 720 |
| Illinois | $58,880 | $46,600 to $75,300 | 140 |
| Indiana | $47,930 | $41,820 to $55,520 | 470 |
| Iowa | $49,780 | $42,840 to $58,510 | 240 |
| Kentucky | $49,790 | $46,660 to $49,790 | 60 |
| Louisiana | $37,440 | $32,680 to $42,750 | 330 |
| Maine | $50,370 | $41,200 to $58,480 | 80 |
| Maryland | not published | not published | 150 |
| Massachusetts | $55,300 | $52,930 to $66,090 | 250 |
| Michigan | $48,840 | $44,450 to $53,430 | 190 |
| Minnesota | $61,000 | $60,920 to $68,110 | 70 |
| Mississippi | $39,040 | $37,340 to $51,220 | 80 |
| Missouri | $52,820 | $42,960 to $73,650 | 180 |
| Montana | $51,060 | $49,720 to $56,120 | not published |
| Nebraska | $50,030 | $44,290 to $69,690 | 130 |
| Nevada | $47,260 | $42,470 to $53,540 | 90 |
| New Hampshire | $58,620 | $49,610 to $63,090 | 110 |
| New Jersey | $59,400 | $50,200 to $63,220 | 600 |
| New York | $56,510 | $46,090 to $65,220 | 730 |
| North Carolina | $47,340 | $38,950 to $57,150 | 500 |
| Ohio | $57,120 | $52,870 to $62,810 | 490 |
| Oklahoma | $46,450 | $38,650 to $51,960 | 220 |
| Oregon | $51,620 | $47,450 to $58,250 | 140 |
| Pennsylvania | $51,090 | $46,190 to $59,900 | 250 |
| Puerto Rico | $33,700 | $26,600 to $48,630 | 190 |
| South Carolina | not published | not published | 400 |
| Texas | $62,930 | $47,530 to $66,840 | 1,180 |
| Utah | $51,260 | $47,030 to $53,110 | 150 |
| Virginia | $47,300 | $36,870 to $60,150 | 280 |
| Washington | $59,840 | $54,660 to $60,120 | 110 |
| West Virginia | $46,480 | $38,860 to $64,190 | 50 |
| Wisconsin | $57,940 | $44,450 to $60,670 | 310 |
Nationally: $50,080. Shades run from the lowest state median to the highest; a territory below that range takes the lightest. How to read this
How AI touches the work
What AI could speed up, task by task, and where people already use it.
AI could halve the time on 14 of its 16 tasks
| AI rating | Its main tasks | Share of Claude conversations May 2026 |
|---|---|---|
| AI + software | Keep records of customers' charges and payments. | under 0.01% |
| AI + software | Compile and analyze credit information gathered by investigation. | under 0.01% |
| AI + software | Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested. | Not published |
| AI + software | Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report. | Not published |
| AI + software | Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards. | Not published |
| AI + software | Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone. | Not published |
See all 16 tasks
| AI alone | Mail charge statements to customers. | Not published |
| AI alone | File sales slips in customers' ledgers for billing purposes. | Not published |
| AI + software | Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants. | under 0.01% |
| AI + software | Relay credit report information to subscribers by mail or by telephone. | Not published |
| AI alone | Prepare credit cards or charge account plates. | Not published |
| Not much | Call customers to collect payment on delinquent accounts. | Not published |
| AI alone | Consult with customers to resolve complaints or verify financial or credit transactions. | Not published |
| Not much | Contact former employers and other acquaintances to verify applicants' references, employment, health history, or social behavior. | Not published |
| AI alone | Prepare reports of findings and recommendations. | under 0.01% |
| AI + software | Review individual or commercial customer files to identify and select delinquent accounts for collection. | Not published |
Ordered by how important O*NET's respondents rate each task (1 to 5) times the share who say it is part of their job. The ordering is ours. O*NET hasn't rated 5 of the tasks, so they come last, in O*NET's own order. 4 of the 16 have a published share of Claude conversations; “not published” means too few conversations for Anthropic to publish a figure.
Where people already use AI
The tasks above say what AI could speed up. This shows what people are using it for. Its 16 tasks fall under 14 work activities that many occupations share, and Microsoft counted how often each one came up in 200,000 conversations with its Copilot assistant in 2024.
- #1 Gather information from physical or electronic sources
- #3 Respond to customer problems or inquiries
- #11 Provide information to guests, clients, or customers
- and 2 more, in the table below
| Work activity | This occupation's tasks under it | People asked AI for help in 10,000 conversations |
AI did it for them in 10,000 conversations |
|---|---|---|---|
| Collect data about consumer needs or opinions | |||
| Provide information to guests, clients, or customers | |||
| Analyze business or financial data | |||
| Gather information from physical or electronic sources | |||
| Respond to customer problems or inquiries | |||
| Perform administrative or clerical activities | |||
| Compile records, documentation, or other data | |||
| Prepare documentation for contracts, applications, or permits |
Show all 14 activities
| Execute financial transactions | |||
| Interview people to obtain information | |||
| Examine financial activities, operations, or systems | |||
| Maintain sales or financial records | |||
| Process shipments or mail | |||
| Collect fares or payments |
How people in this work use Claude
What people in this work made with Claude % of conversations
- A document or report27%
- An analysis or summary18%
- Data or a spreadsheet11%
- An email or message11%
- Advice or a recommendation9%
How they worked with Claude
56% of these conversations were about work. Anthropic Economic Index, May 2026.
How to read this
Work activities come from O*NET, which links every task to the broader activities it involves. Microsoft's figures are for the activity across everyone who used Copilot, not for credit authorizers, checkers, and clerks specifically. Copilot is a general chat assistant; dedicated coding tools are not included, so programming help is under-counted here. Activities are listed by how many of this occupation's tasks fall under them.
The task ratings say whether AI could halve the time a task takes: on its own (“AI alone”), or with software built on it (“AI + software”). They were made by people in 2023 (Eloundou et al.). Claude's share is the task's share of all Claude.ai conversations in May 2026; Anthropic doesn't publish a task with too few conversations. None of these add up to the BLS exposure group, which combines five research measures.
More in the Guide: task ratings · task order · work activities · Copilot figures · Claude
High exposure doesn't mean fewer jobs
BLS projects most occupations in its two most exposed groups to grow: 141 of 206 rated Very high and 165 of 206 rated High. Each dot is one of the 831 occupations BLS rates.
Career moves into and out of this occupation
From moves between occupations found in online resumes, 2002–2016. Career changes only: a first job after school isn't a move.
Where people moved next
of 5,183 moves out
- 1 Bookkeeping, Accounting, and Auditing Clerks Very high -5.6% 7%
- 2 Customer Service Representatives Very high -5.3% 7%
- 3 Credit Analysts Very high -4.3% 4%
- 4 Managers, All Other (2010 group) an older group BLS has since split; no exposure group today 4%
- 5 Secretaries and Administrative Assistants, Except Legal, Medical, and Executive Very high -6.0% 4%
Where people moved in from
of 5,045 moves in
- 1 Customer Service Representatives Very high -5.3% 11%
- 2 Bookkeeping, Accounting, and Auditing Clerks Very high -5.6% 7%
- 3 Secretaries and Administrative Assistants, Except Legal, Medical, and Executive Very high -6.0% 5%
- 4 Bill and Account Collectors Very high -10.4% 4%
- 5 Receptionists and Information Clerks Very high -1.7% 4%
Resumes over-represent younger, white-collar job-seekers and moves into management. Schubert, Stansbury and Taska (resume data).
Education and training for the occupation
Census survey (American Community Survey)
- 1% less than high school
- 25% high school
- 33% some college
- 15% associate's
- 18% bachelor's
- 5% master's
- 2% professional degree
Census ACS 2024, all workers in this occupation · 365 people surveyed.
Median pay by highest degree full-time, year-round · Census ACS 2024, all workers in this occupation
1 program: Banking and Financial Support Services.
Jobs that require a credential BLS Occupational Requirements Survey 2023
BLS publishes no credential figures for this occupation.
Look up certifications, training and licenses U.S. Department of Labor
- Certification Finder ↗ certifications CareerOneStop lists for this occupation
- Training Finder ↗ schools and programs, nationwide; narrow the place there
- License Finder ↗ licenses by state
- Apprenticeships: DOL's list of apprenticeable occupations doesn't include this one.
These open in a new tab and send only the occupation's public code. More in the Guide
BLS AI exposure categories (Aug 2026) · BLS Employment Projections 2025–35 · O*NET 31.0 · Task ratings: Eloundou et al., Science (2024) · Microsoft "Working with AI" v1.1 · Anthropic Economic Index (2026-06-26) · Schubert, Stansbury and Taska · NCES CIP–SOC · Census ACS 2024 · BLS JOLTS · Brynjolfsson, Chandar and Chen, Stanford (Aug 2026)
See it online, and explore any career: https://www.pathmosaic.com/card/43-4041.00