Credit Officer

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 complianceProcess 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 guidelinesSupport internal and external audits by ensuring all credit decisions and records are accurate and welldocumented 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