Job Brief
As a Charge Authorizer, you will play a critical role in evaluating and authorizing credit charges against customers’ accounts. This position requires a keen analytical mindset to investigate the credit history and standing of individuals or business establishments seeking credit. You will be responsible for interviewing applicants to gather essential personal and financial information, determining creditworthiness, processing credit applications, and notifying customers of acceptance or rejection of credit. Ideal candidates possess strong communication skills and a thorough understanding of credit assessment processes.
Responsibilities
- Authorize credit charges against customer accounts based on thorough evaluation.
- Investigate the credit history and financial stability of individuals and businesses applying for credit.
- Conduct interviews with credit applicants to obtain relevant personal and financial data.
- Assess creditworthiness by analyzing financial documents and credit reports.
- Process credit applications and make informed decisions regarding approvals or rejections.
- Communicate credit decisions to applicants promptly and professionally.
- Maintain accurate records of credit applications and decisions for compliance and reporting purposes.
- Collaborate with team members to enhance credit assessment protocols and procedures.
Requirements
- Proven experience in credit analysis, credit authorizing, or a related field.
- Strong understanding of credit scoring models and risk assessment techniques.
- Exceptional analytical skills with attention to detail.
- Excellent verbal and written communication abilities.
- Proficient in using credit evaluation software and tools.
- Ability to work under pressure and meet tight deadlines.
- High level of integrity and ability to handle sensitive financial information.
- Relevant certifications in credit analysis or finance preferred.
Similar Job Titles
- Credit Analyst
- Credit Risk Specialist
- Loan Authorizer
- Credit Approval Specialist
- Risk Assessment Officer
- Underwriting Specialist
- Financial Credit Reviewer
- Account Credit Manager
