Loan Screening Clerk
かしだししんさがかり
Industry & Occupation
Classification
- Major : Clerical Occupations
- Middle : Sales and Marketing Clerical Occupations
- Minor : Other Sales and Marketing Clerical Occupations
Summary
An clerical position in financial institutions that reviews customers' loan applications, analyzes repayment ability and credit information, and determines the approval or denial of loans.
Description
Loan screening clerks at financial institutions review and analyze loan applications and customers' credit information, and determine loan approvals based on credit criteria. They numerically evaluate income, assets, repayment history, etc., and manage risks in accordance with internal regulations and laws. They also maintain proper screening processes through checking for deficiencies in applications, inquiries to customers, and coordination with sales staff.
Future Outlook
Although financial digitalization and AI screening systems are advancing, the demand for loan screening clerks with specialized knowledge remains high for complex cases and final decisions. Due to the importance of risk management and regulatory compliance, it is expected to be a stable occupation in the future as well.
Personality Traits
Attentive to details / Cautious / Good at logical thinking / Strong sense of responsibility
Work Style
Career Path
Credit Screening Officer → Senior Screening Officer → Screening Section Leader → Credit Management Department Manager → Branch Manager
Required Skills
Basic PC operation / Credit information agency system operation / Financial product knowledge / Understanding of credit screening criteria
Recommended Skills
Communication skills / English document reading / Regulatory compliance knowledge / Risk management
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Analytical & Logical Thinking | Because it involves analyzing income and credit information to make screening judgments. |
| Attention to Detail & Accuracy | Because document or numerical errors can affect loan decisions. |
| Numerical & Quantitative Analysis | Because it involves numerically evaluating financial data and repayment ability. |
Aptitudes (Weaknesses Acceptable)
| Item | Description |
|---|---|
| Creativity & Ideation | The work centers on rule-based screening tasks, where creativity is not particularly required. |
| Physical Stamina & Endurance | Mainly desk work with little physical strain. |
Related Qualifications
- Banking Operations Certification (Lending Operations)
- Financial Planner (FP)
Related Jobs
- Credit Analyst
- Loan Approval Clerk