Credit Officer

Description

Summary: This role involves evaluating credit card applications, managing risk and compliance, supporting customers, and maintaining comprehensive records and reports. Highlights: 1. Evaluate and analyze credit card applications and assess creditworthiness 2. Adhere to credit card risk management guidelines and support audits 3. Communicate with customers and resolve inquiries professionally **Credit Card Application Review and Approval:** * Evaluate and analyze credit card applications, reviewing credit histories, income, and other financial data to assess applicant creditworthiness. * Verify application data is complete and meets established standards and regulatory compliance * Process all the applications and coordinate with decisions on credit card approvals, declines, or adjustments to credit limits based on established credit policies and scoring models. **Risk Management and Compliance:** * Adhere to credit card risk management guidelines * Support internal and external audits by ensuring all credit decisions and records are accurate and well\-documented. **Customer Interaction and Support:** * Communicate with customers to verify the provided information in the application is accurate and correct. * Address customer inquiries regarding credit limits, terms, and account status, resolving issues professionally and efficiently. **Reporting and Documentation:** * Prepare and maintain comprehensive records of credit card application decisions and account adjustments, following all regulatory and internal requirements. * Generate regular reports on application volumes, approval rates, credit card portfolio performance, and risk trends for management review. **Requirements** * Should have minimum 3 years working in banking / financial sector * Education: Bachelors Degree or equivalent. Application Question(s): * What is your notice period? * What is your expected salary? * What is your current salary? Work Location: In person