Companies are well aware that issuing credit is a dangerous business. Credit authorizers, checkers, and clerks all work together to limit risk. 

Credit clerks prepare documentation and conduct transactions for people who are looking for loans or credit. Checkers double-check the information on application forms. Checkers use the phone or computer to contact banks, credit bureaus, and other sources to obtain information on an applicant's earnings, expenditures, and bill-paying habits. 

Authorizers choose whether to approve or refuse a credit account request or a new charge to an existing line of credit. They examine credit histories for accounts that are past due, overextended, or otherwise ineligible. 

People in this industry often work a regular 40-hour week in an office, but shifts can include nights, weekends, and part-time work. You may need to be able to deal with the stress of interacting with disagreeable people on occasion. 

Although credit usage is increasing, prospects in this industry are not. Many checking and approving functions are being streamlined by computers. Credit employees typically only only a high school diploma for entry-level positions, so there will be lots of competition for these positions. 

Fluency in another language, particularly Spanish, good typing and computer skills, and a firm understanding of corporate algebra are all qualities that will set you apart. In this line of work, a task properly done is unquestionably a "credit" to your firm.