Credit Officer
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Key skills for this role
About the Role
Human Capital Group Qatar seeks a Credit Officer to evaluate credit card applications, assess creditworthiness, and manage risk. The role requires 3+ years in banking/finance, fluency in English and Arabic, and a Bachelor's degree.
Key Skills for This Role
Responsibilities
- Evaluate and analyze credit card applications, reviewing credit histories, income, and financial data to assess creditworthiness
- Verify application data completeness and compliance with standards and regulations
- Process applications and coordinate decisions on approvals, declines, or credit limit adjustments
- Adhere to credit card risk management guidelines and support audits
- Communicate with customers to verify application information and address inquiries
- Prepare and maintain records of credit decisions and generate reports on application volumes and risk trends
Requirements
- Minimum 3 years working in banking/financial sector
- Fluent in English and Arabic
- Bachelor's Degree or equivalent
Full Job Posting
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.
Skills
- Should have minimum 3 years working in banking / financial sector.
- Fluent in English & Arabic.
- Education: Bachelors Degree or equivalent.
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