Credit card membership application reviewer
くれじっとかーどかにゅうしんさじむいん
Industry & Occupation
Classification
- Major : Clerical Occupations
- Middle : Sales and Marketing Clerical Occupations
- Minor : Other Sales and Marketing Clerical Occupations
Summary
A clerical position that reviews credit information of credit card membership applicants and determines whether to approve card issuance.
Description
Credit card membership application reviewers receive applications from customers, then refer to identification documents, income information, and credit bureau data to make credit judgments. Based on screening criteria, they analyze the applicant's repayment capacity, determine approval or rejection, and set credit limits. They also verify incomplete application documents and gather additional information via phone or email. In recent years, automated screening systems integrated with AI have been introduced, but final decisions and exception handling remain primarily manual tasks.
Future Outlook
While automation of screening operations advances due to the proliferation of fintech companies and online payment services, demand for human judgment is expected to continue for complex cases and regulatory compliance.
Personality Traits
Cautious / Emphasizes accuracy / Strong sense of responsibility
Work Style
Career Path
Credit card review leader → Credit management specialist → Credit analysis department → Financial administration manager
Required Skills
Basic PC operation / Communication skills (phone and email correspondence) / Credit bureau system operation / Excel (Advanced)
Recommended Skills
Communication skills (English email) / Financial product knowledge / Nissho Bookkeeping Grade 3 / Risk management
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Analytical & Logical Thinking | To logically evaluate credit information and repayment ability. |
| Attention to Detail & Accuracy | To prevent overlooking errors or deficiencies in documents. |
Aptitudes (Weaknesses Acceptable)
| Item | Description |
|---|---|
| Creativity & Ideation | Routine tasks are predominant, so creativity is not particularly required. |
| Physical Stamina & Endurance | Primarily desk work with little heavy labor. |
Aliases
- Card review clerk
- Credit screening operator
Related Jobs
- Card issuance clerk
- Credit management staff
- Loan review clerk