Job Brief
The Commercial Credit Reviewer plays a vital role in evaluating the creditworthiness of individuals and businesses seeking credit. This position involves authorizing credit charges, investigating credit histories, and interviewing applicants to gather necessary personal and financial data. The ideal candidate possesses strong analytical skills and experience in credit analysis, ensuring accurate processing of applications while maintaining compliance with industry regulations.
Responsibilities
- Authorize credit charges against customers’ accounts based on thorough analysis.
- Investigate and assess the credit history and standing of individuals and businesses applying for credit.
- Conduct interviews with applicants to collect personal and financial information necessary for credit evaluation.
- Determine credit worthiness through comprehensive risk assessment techniques.
- Process credit applications efficiently and accurately, ensuring adherence to company policies.
- Notify customers of their credit application status, including acceptance or rejection decisions.
- Maintain detailed records of credit evaluations and decisions for compliance and auditing purposes.
- Collaborate with the finance team to develop and improve credit policies and procedures.
Requirements
- Bachelor’s degree in finance, accounting, business administration, or a related field.
- Proven experience in credit analysis, risk assessment, or a similar role.
- Strong understanding of credit scoring models and financial assessment tools.
- Excellent analytical and problem-solving skills, with attention to detail.
- Effective communication skills to interview applicants and present findings.
- Familiarity with credit reporting systems and financial regulations.
- Ability to work independently and manage multiple credit applications simultaneously.
- Proficiency in Microsoft Office Suite and credit analysis software.
Similar Job Titles
- Credit Analyst
- Credit Risk Analyst
- Credit Manager
- Commercial Loan Officer
- Risk Assessment Specialist
- Financial Credit Reviewer
- Loan Underwriter
- Commercial Underwriter
