Job Summary

The Credit Card Underwriter is responsible for evaluating and assessing credit card applications to ensure compliance with internal policies and relevant regulatory requirements. This role involves analyzing financial documents, credit history, and risk factors to support accurate and informed credit decisions. The ideal candidate should have strong knowledge of credit card products, Bank of Thailand (BOT) regulations, and expertise in document verification and financial analysis. The position requires strong attention to detail, sound judgment, and the ability to work efficiently and flexibly in a fast-paced environment.

Key Responsibilities

• Support Credit Card Project Development

Prepare business and system requirements for development initiatives.

Define test cases and support User Acceptance Testing (UAT).

Establish underwriting policies, manuals, and standard operating procedures.

Support preparation and submission of regulatory-required documents.

• Evaluate Creditworthiness of Applicants

Analyze financial statements, income documents, credit bureau reports, and other relevant data.

Assess applicants' repayment ability and overall credit risk.

• Make Credit Decisions

Approve or decline credit card applications in accordance with underwriting policies and risk guidelines.

• Coordinate with Internal Stakeholders

Work closely with Sales, Customer Service, Legal, Compliance, and other related teams.

Ensure smooth application processing and adherence to internal and regulatory standards.

• Enhance Underwriting Processes

Review and improve underwriting workflows, tools, and decision-making processes.

Contribute to increasing efficiency, accuracy, and risk control effectiveness.

• Ensure Regulatory Compliance

Comply with applicable laws, Bank of Thailand (BOT) regulations, and internal policies.

Ensure adherence to data privacy, anti-money laundering (AML), and other compliance standards.

Qualifications

Bachelor's degree or higher in Business Administration, Finance, or related fields.

Minimum 5 years of experience in Credit Card Underwriting.

Strong knowledge of credit card products and Bank of Thailand (BOT) regulations.

Experience in document verification and financial analysis.

Strong analytical, communication, and problem-solving skills.

Proficient in Microsoft Excel and Microsoft Word.

Good command of English, both written and spoken.

Contact person: K.Parinphat

Mobile:

09•-•••-•207

Email:

• @lhbank.co.th