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Career and Education Opportunities for Credit Investigators in San Francisco, California

San Francisco, California provides a wide variety of opportunities, both career and educational, for credit investigators. There are currently 5,600 working credit investigators in California; this should shrink 11% to 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.

A person working as a credit investigator can expect to earn about $17 per hour or $36,240 annually on average in California and about $14 per hour or $30,390 yearly on average in the U.S. as a whole. Incomes for credit investigators are better than in the overall category of Credit Authorization in California, and better than the overall Credit Authorization category nationally.

There are eighty-six schools of higher education in the San Francisco area, including two within twenty-five miles of San Francisco 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 San Francisco 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.
  • 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

City College of San Francisco - San Francisco, CA

City College of San Francisco, 50 Phelan Ave, San Francisco, CA 94112-1898. City College of San Francisco is a large college located in San Francisco, California. It is a public school with primarily 2-year programs and has 49,897 students. City College of San Francisco has one to two year, associate's degree, and two to four year programs in Banking and Financial Support Services which graduated two, zero, and one students respectively in 2008.

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: San Francisco, California

San Francisco, California
San Francisco, California photo by Optigan13

San Francisco is located in San Francisco County, California. It has a population of over 808,976, which has grown by 4.2% in the past ten years. The cost of living index in San Francisco, 180, is far greater than the national average. New single-family homes in San Francisco cost $218,300 on average, which is far less than the state average. In 2008, fifty-seven new homes were built in San Francisco, up from fifty-five the previous year.

The three most popular industries for women in San Francisco are professional, scientific, and technical services, health care, and educational services. For men, it is professional, scientific, and technical services, accommodation and food services, and construction. The average travel time to work is about 31 minutes. More than 45.0% of San Francisco residents have a bachelor's degree, which is higher than the state average. The percentage of residents with a graduate degree, 16.4%, is higher than the state average.

The percentage of San Francisco residents that are affiliated with a religious congregation, 41.8%, is less than both the national and state average. Gold Mountain Monastery, Golden Gate Community Church of the Nazarene and Golden Gate Lutheran Church are among the churches located in San Francisco. The most common religious groups are the Catholic Church, the Muslim Estimate and the United Methodist Church.

San Francisco is home to the Pier 88 and the Prayer Book Cross as well as Helen Wills Playground and Music Concourse. Shopping malls in the area include Yerba Buena Square Shopping Center, Fox Plaza Shopping Center and Galleria At Crocker Center Shopping Center. Visitors to San Francisco can choose from Astoria Hotel, A-1 Inn Motel and Best Western Canterbury Hotel for temporary stays in the area.