Credit Authorizers, Checkers, and Clerks
Every task in this role, whether it passes the census's structural hand-over screen, which models pass it, and why. It is a screen, not a claim about what AI can do: a task can pass and still be beyond the systems of the day. The stricter and looser rules re-vote every task, and small differences between roles are noise.
Passes the screen · 2 of 16 tasks
Keep records of customers' charges and payments.
quick to check, an existing check settles it, and a mistake is cheap · 10.2% of the role's time · $55.3M · all three pass it
Review individual or commercial customer files to identify and select delinquent accounts for collection.
quick to check, an existing check settles it, and a mistake is cheap · 6.3% of the role's time · $34.1M · passed by Claude Sonnet, Gemini 3.1 Pro · the models disagreed
Does not pass
Compile and analyze credit information gathered by investigation.
reason given most often: no existing check settles it · 14.0% of the role's time · $75.9M
Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.
an accountable sign-off — stays with a person · 8.6% of the role's time · $47.0M
Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.
reason given most often: nobody can tell quickly whether it worked, and no existing check settles it · 8.0% of the role's time · $43.6M · passed by Claude Sonnet · the models disagreed
Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
reason given most often: no existing check settles it · 7.4% of the role's time · $40.1M · waiting on a check
Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.
physical work, outside the screen · 6.3% of the role's time · $34.1M
Call customers to collect payment on delinquent accounts.
reason given most often: nobody can tell quickly whether it worked · 6.3% of the role's time · $34.1M
Consult with customers to resolve complaints or verify financial or credit transactions.
reason given most often: nobody can tell quickly whether it worked, and no existing check settles it · 6.3% of the role's time · $34.1M
Contact former employers and other acquaintances to verify applicants' references, employment, health history, or social behavior.
reason given most often: no existing check settles it · 6.3% of the role's time · $34.1M
Prepare reports of findings and recommendations.
reason given most often: no existing check settles it · 6.3% of the role's time · $34.1M
File sales slips in customers' ledgers for billing purposes.
physical work, outside the screen · 4.1% of the role's time · $22.2M
Mail charge statements to customers.
physical work, outside the screen · 3.5% of the role's time · $18.8M
Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.
reason given most often: no existing check settles it, and a failure is too expensive · 3.2% of the role's time · $17.5M · passed by Claude Sonnet · the models disagreed
Relay credit report information to subscribers by mail or by telephone.
reason given most often: no existing check settles it, and a failure is too expensive · 2.2% of the role's time · $12.1M · passed by Claude Sonnet · the models disagreed
Prepare credit cards or charge account plates.
physical work, outside the screen · 1.2% of the role's time · $6.3M
Where this role works
| Industry | Workers | Wage bill | Passes the screen | All three pass |
|---|---|---|---|---|
| Credit Intermediation and Related Activities (5221 and 5223 only) | 1860 | $103M | $17.0M | $10.5M |
| Nondepository Credit Intermediation | 1880 | $95.4M | $15.7M | $9.7M |
| Management of Companies and Enterprises | 1350 | $74.6M | $12.3M | $7.6M |
| Merchant Wholesalers, Durable Goods (4232, 4233, 4235, 4236, 4237, and 4239 only) | 600 | $33.7M | $5.5M | $3.4M |
| Business Support Services | 580 | $27.1M | $4.5M | $2.8M |
| Automobile Dealers | 390 | $22.7M | $3.7M | $2.3M |
| Rental and Leasing Services (5322, 5323, and 5324 only) | 470 | $21.2M | $3.5M | $2.2M |
| Furniture and Home Furnishings Retailers | 670 | $20.0M | $3.3M | $2.0M |
| Telecommunications | 280 | $15.6M | $2.6M | $1.6M |
| Professional and Commercial Equipment and Supplies Merchant Wholesalers | 200 | $10.5M | $1.7M | $1.1M |