About the role
Credit officers primarily work within the banking and finance sector, assessing and deciding on credit applications. They often have a background in economics, finance, or law, and many have completed higher education in these fields. Their expertise lies in evaluating customers' creditworthiness and the risks associated with lending.Responsibilities
Credit officers analyze the customer's financial circumstances, conduct credit assessments, and make decisions about loans. They are responsible for ensuring that loan conditions comply with laws and internal guidelines. Maintaining good customer relationships and providing advice on financial products is also part of their job responsibilities.Skills and tools
Credit officers must have good analytical skills, be meticulous, and have knowledge of economics and law. They use credit assessment systems and databases to collect and analyze information. Communication and decision-making abilities are central qualities, as well as the ability to handle confidential information. Common competencies demanded by employers are kreditbedömning, kundtjänst and finansiering.