Career and Education Opportunities for Credit Investigators in Antioch, California
Credit investigator career and educational opportunities abound in Antioch, California. There are currently 5,600 jobs for credit investigators in California and this is projected to shrink 11% to about 5,000 jobs by 2016. This is not quite as good as the national trend for credit investigators, which sees this job pool growing by about 2.8% over the next eight years. Credit investigators generally investigate history and credit standing of individuals or business establishments applying for credit.
Credit investigators earn approximately $17 per hour or $36,240 annually on average in California. Nationally they average about $14 per hour or $30,390 annually. Compared with people working in the overall category of Credit Authorization, people working as credit investigators in California earn more. They earn more than people working in the overall category of Credit Authorization nationally.
There are sixty-four schools of higher education in the Antioch area, including two within twenty-five miles of Antioch where you can get a degree to start your career as a credit investigator. Given that the most common education level for credit investigators is a high school diploma or GED, you can expect to spend only a short time training to become a credit investigator if you already have a high school diploma.
CAREER DESCRIPTION: Credit Investigator
In general, credit investigators investigate history and credit standing of individuals or business establishments applying for credit. They also telephone or write to credit departments of business and service establishments to obtain information about applicant's credit standing.
Every day, credit investigators are expected to be able to articulate ideas and problems. It is also important that they listen to and understand others in meetings.
It is important for credit investigators to ready reports of findings and recommendations, using typewriters or computers. They are often called upon to obtain data related to potential creditors from banks and other credit services, and furnish reciprocal data if requested. They also interview credit applicants by telephone or in person so as to obtain personal and financial data needed to finish credit report. Somewhat less frequently, credit investigators are also expected to examine city directories and public archives in order to confirm residence property ownership or unpaid taxes of applicants.
Credit investigators sometimes are asked to contact former employers and other acquaintances to confirm applicants' references and social behavior. They also have to be able to relay credit report data to subscribers by mail or by telephone And finally, they sometimes have to relay credit report data to subscribers by mail or by telephone.
Like many other jobs, credit investigators must have strong self control in the face of challenging situations and be thorough and dependable.
Similar jobs with educational opportunities in Antioch include:
- Accounts Receivable Specialist. Locate and notify customers of delinquent accounts by mail, telephone, or personal visit to solicit payment. Duties include receiving payment and posting amount to customer's account; preparing statements to credit department if customer fails to respond; initiating repossession proceedings or service disconnection; keeping records of collection and status of accounts.
- Correspondence Clerk. Compose letters in reply to requests for merchandise, damage claims, credit and other information, delinquent accounts, or unsatisfactory services. Duties may include gathering data to formulate reply and typing correspondence.
- Customer Care Specialist. Interact with customers to provide information in response to inquiries about products and services and to handle and resolve complaints.
- Eligibility and Occupancy Interviewer. Determine eligibility of persons applying to receive assistance from government programs and agency resources, such as welfare, unemployment benefits, and public housing.
- Insurance Claims Processor. Obtain information from insured or designated persons for purpose of settling claim with insurance carrier.
- Insurance Processing Clerk. Process applications for, changes to, and cancellation of insurance policies. Duties include reviewing insurance applications to ensure that all questions have been answered, compiling data on insurance policy changes, changing policy records to conform to insured party's specifications, compiling data on lapsed insurance policies to determine automatic reinstatement according to company policies, canceling insurance policies as requested by agents, and verifying the accuracy of insurance company records.
- Municipal Clerk. Draft agendas and bylaws for town or city council; record minutes of council meetings; answer official correspondence; keep fiscal records and accounts; and prepare reports on civic needs.
- Procurement Clerk. Compile information and records to draw up purchase orders for procurement of materials and services.
EDUCATIONAL OPPORTUNITIES: Credit Investigator Training
San Joaquin Delta College - Stockton, CA
San Joaquin Delta College, 5151 Pacific Ave, Stockton, CA 95207. San Joaquin Delta College is a large college located in Stockton, California. It is a public school with primarily 2-year programs and has 20,480 students. San Joaquin Delta College has a two to four year program in Banking and Financial Support Services.
Laney College - Oakland, CA
Laney College, 900 Fallon St, Oakland, CA 94607. Laney College is a large college located in Oakland, California. It is a public school with primarily 2-year programs and has 13,104 students. Laney College has an associate's degree and a two to four year program in Banking and Financial Support Services.
LOCATION INFORMATION: Antioch, California
Antioch is located in Contra Costa County, California. It has a population of over 100,219, which has grown by 10.7% in the past ten years. The cost of living index in Antioch, 150, is far greater than the national average. New single-family homes in Antioch cost $255,600 on average, which is well below the state average. In 2008, one hundred twenty-two new homes were constructed in Antioch, down from one hundred fifty-eight the previous year.
The three big industries for women in Antioch are health care, finance and insurance, and educational services. For men, it is construction, administrative and support and waste management services, and professional, scientific, and technical services. The average travel time to work is about 42 minutes. More than 18.2% of Antioch residents have a bachelor's degree, which is lower than the state average. The percentage of residents with a graduate degree, 4.6%, is lower than the state average.
The unemployment rate in Antioch is 12.9%, which is greater than California's average of 12.3%.
The percentage of Antioch residents that are affiliated with a religious congregation, 38.9%, is less than both the national and state average. Iglesia Biblica Bautista Antioquia, Lone Tree Community Church and Calvary Chapel are all churches located in Antioch. The most prominent religious groups are the Catholic Church, the Baptist General Conference and the LDS (Mormon) Church.
Antioch is home to the Antioch Historical Center and the Lupine Rock Picnic Area as well as Williamson Ranch Park and Fairview Park. Shopping malls in the area include Antioch Square Shopping Center, Raleys Shopping Center and Century Plaza Shopping Center. Visitors to Antioch can choose from Antioch Executive Inn, Best Western Heritage Inn Antioch and Antioch Comfort Suites for temporary stays in the area.