Career and Education Opportunities for Credit Investigators in San Bernardino, California
If you want to be a credit investigator, the San Bernardino, California area offers many opportunities both for education and employment. There are currently 5,600 working credit investigators in California; this should shrink by 11% to about 5,000 working credit investigators in the state 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. In general, credit investigators investigate history and credit standing of individuals or business establishments applying for credit.
The income of a credit investigator is about $17 per hour or $36,240 yearly on average in California. In the U.S. as a whole, their income is about $14 hourly or $30,390 annually on average. 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 two schools within twenty-five miles of San Bernardino where you can study to be a credit investigator, among fifty-one schools of higher education total in the San Bernardino area. Credit investigators usually hold a high school diploma or GED, so you can expect to spend only a short time studying to be 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 San Bernardino 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.
- Customer Care Specialist. Interact with customers to provide information in response to inquiries about products and services and to handle and resolve complaints.
EDUCATIONAL OPPORTUNITIES: Credit Investigator Training
Chaffey College - Rancho Cucamonga, CA
Chaffey College, 5885 Haven Ave, Rancho Cucamonga, CA 91737-3002. Chaffey College is a large college located in Rancho Cucamonga, California. It is a public school with primarily 2-year programs and has 20,486 students. Chaffey College has a two to four year program in Banking and Financial Support Services.
Riverside Community College - Riverside, CA
Riverside Community College, 4800 Magnolia Ave, Riverside, CA 92506. Riverside Community College is a large college located in Riverside, California. It is a public school with primarily 2-year programs and has 34,058 students. Riverside Community College has an associate's degree and a two to four year program in Banking and Financial Support Services.
LOCATION INFORMATION: San Bernardino, California
San Bernardino is situated in San Bernardino County, California. It has a population of over 198,580, which has grown by 7.1% in the past ten years. The cost of living index in San Bernardino, 125, is far greater than the national average. New single-family homes in San Bernardino cost $182,700 on average, which is far less than the state average. In 2008, twenty-one new homes were constructed in San Bernardino, down from one hundred fifty-nine the previous year.
The three big industries for women in San Bernardino are health care, educational services, and accommodation and food services. For men, it is construction, educational services, and accommodation and food services. The average commute to work is about 28 minutes. More than 11.6% of San Bernardino residents have a bachelor's degree, which is lower than the state average. The percentage of residents with a graduate degree, 3.9%, is lower than the state average.
The unemployment rate in San Bernardino is 18.6%, which is greater than California's average of 12.3%.
The percentage of San Bernardino residents that are affiliated with a religious congregation, 42.0%, is less than both the national and state average. Golden Avenue Church, Allen Chapel African Methodist Episcopal Church and Kingdom Hall of Jehovahs Witnesses are among the churches located in San Bernardino. The most prominent religious groups are the Catholic Church, the Southern Baptist Convention and the LDS (Mormon) Church.
San Bernardino is home to the Warm Creek Golf Course and the San Bernardino Public Golf Course as well as Plaza Park and Palm Field Park. Shopping malls in the area include Wildwood Plaza Shopping Center, Highland Avenue Plaza Shopping Center and Mountain Shadows Plaza Shopping Center. Visitors to San Bernardino can choose from American Inn, Best Western Hospitality Lane and American Tex-Chem Corporation for temporary stays in the area.