Job Brief
The Credit Reference Clerk plays a vital role in evaluating and processing credit applications for individuals and businesses. This position requires a keen understanding of credit analysis, customer service, and financial assessment. The ideal candidate will possess strong analytical skills, attention to detail, and the ability to communicate effectively with applicants. Responsibilities include authorizing credit charges, investigating credit histories, and determining creditworthiness based on comprehensive evaluations.
Responsibilities
- Authorize credit charges against customer accounts, ensuring compliance with established policies.
- Investigate the credit history and standing of individuals and businesses applying for credit.
- Conduct interviews with applicants to gather personal and financial data.
- Analyze financial information to assess creditworthiness and make informed decisions.
- Process credit applications efficiently and accurately, ensuring timely responses.
- Notify customers of the acceptance or rejection of their credit applications.
- Maintain detailed records of all credit applications and decisions for auditing purposes.
- Collaborate with other departments to resolve any discrepancies or concerns related to credit applications.
Requirements
- High school diploma or equivalent; additional education in finance or business preferred.
- Proven experience in credit analysis or related field.
- Strong analytical and problem-solving skills, with attention to detail.
- Excellent communication and interpersonal skills to engage with applicants effectively.
- Proficiency in Microsoft Office Suite and credit assessment software.
- Ability to work independently and manage multiple tasks in a fast-paced environment.
- Knowledge of relevant credit laws and regulations.
Similar Job Titles
- Credit Analyst
- Credit Officer
- Credit Risk Analyst
- Loan Processing Clerk
- Credit Control Clerk
- Accounts Receivable Clerk
- Financial Services Representative
- Loan Officer
