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Credit Card Officer Jobs (NOW HIRING)

Service First FCU

$60 - $80/hr

Collaborate with loan officers and support staff to ensure a seamless application process and effective communication with members. Prepare documents as needed as part of the loan and credit card ...

Credit Union Texas

Card Operations Specialist

Allen, TX · On-site

Process credit card functions including payments, balance transfers, credit limit increases, and ... the BSA Officer. Continuous Improvement * Participate in pilots of CUTX-approved AI tools that ...

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Credit Card Officer information

See salary details

$35K

$98K

$147.5K

How much do credit card officer jobs pay per year?

As of Sep 9, 2026, the average yearly pay for credit card officer in the United States is $98,014.00, according to ZipRecruiter salary data. Most workers in this role earn between $78,000.00 and $120,500.00 per year, depending on experience, location, and employer.

What does a credit card officer do?

A Credit Card Officer is responsible for evaluating credit card applications, assessing the creditworthiness of applicants, and processing approvals or declines based on established criteria. They also help customers understand credit card terms, resolve account issues, and may assist in promoting new credit card products. The role often involves reviewing financial documents, verifying information, and ensuring compliance with banking regulations. Effective communication and analytical skills are important for success in this position.

What are the key skills and qualifications needed to thrive as a credit card officer?

To thrive as a Credit Card Officer, you need strong analytical skills, knowledge of credit policies, and a background in finance or banking, typically supported by a relevant degree or experience. Familiarity with credit scoring systems, customer relationship management (CRM) software, and regulatory compliance tools is often required. Excellent communication, attention to detail, and problem-solving abilities help build customer trust and manage accounts effectively. These competencies are essential for minimizing risk, ensuring regulatory compliance, and delivering high-quality customer service in a competitive financial environment.

What are the main challenges credit card officers face when evaluating applications, and how can they be addressed?

Credit Card Officers often encounter challenges such as assessing the creditworthiness of applicants with limited credit history, detecting potential fraud, and ensuring compliance with regulatory requirements. These challenges can be addressed by utilizing advanced credit scoring tools, staying updated on fraud detection techniques, and participating in ongoing compliance training. Close collaboration with risk management and underwriting teams also helps ensure thorough and accurate application reviews.

What is the difference between Credit Card Officer vs Credit Analyst?

AspectCredit Card OfficerCredit Analyst
Required CredentialsHigh school diploma or equivalent; some roles may require finance or banking certificationsBachelor's degree in finance, accounting, or related field; certifications like CFA can be advantageous
Work EnvironmentBank branches, financial institutions, customer service settingsCorporate offices, financial institutions, credit departments
Employer & Industry UsagePrimarily in banking and credit card companiesIn banks, lending companies, and financial services firms
Comparison Search IntentUnderstanding roles related to credit card management and customer interactionAnalyzing creditworthiness and risk assessment

While both roles work within the financial industry, a Credit Card Officer primarily manages credit card accounts and customer relations, whereas a Credit Analyst focuses on evaluating credit data to assess risk. The roles often overlap in banking environments, but their core responsibilities differ in customer interaction versus credit evaluation.

How do you become a credit card officer?

To become a credit card officer, candidates typically need a bachelor's degree in finance, business, or a related field, along with strong analytical and communication skills. Relevant experience in banking or credit analysis can be beneficial, and some employers may require certifications such as the Certified Credit Executive (CCE).
More about Credit Card Officer jobs

What states have the most Credit Card Officer jobs?

States with the most job openings for Credit Card Officer jobs include:

What are popular job titles related to Credit Card Officer jobs?

For Credit Card Officer jobs, the most frequently searched job titles are:

Credit Card Officer jobs near you
Infographic showing various Credit Card Officer job openings in the United States as of September 2026, with employment types broken down into 1% Internship, 80% Full Time, and 19% Part Time. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $98,014 per year, or $47.1 per hour.

Credit Card & Consumer Loan Underwriter

Sioux Falls, SD • On-site

Service First Federal Credit Union
Finance and Insurance • 51 - 200 employees
Learn more about Service First Federal Credit Unionexternal

$60 - $80/hr

Other

Life, Retirement, PTO

Posted 7 days ago

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Credit Card & Consumer Loan Underwriter

Full Time Clerical Sioux Falls, SD, US

2 days ago Requisition ID: 1334

Join us at Service First FCU to help us empower our members through financial services and promote our people helping people philosophy! We are looking for someone who believes that our members and service should always come first, just as we do. We are looking for a team member who is a self-starter, is organized, and has great communication skills. We can’t wait to see what you can bring to our team!

Benefits that we Offer:

  • 401(k) with 6% match
  • Life and AD&D insurance
  • Paid Time Off
  • Bonus and Incentive Programs
  • And MORE!!!

Key Job Duties and Responsibilities:

  • Review and analyze applications, credit reports, and supporting documentation to assess borrower creditworthiness.

Verify employment of applicants and ensure accuracy. Process any additional proof of income requirements, including tax returns.

Make informed decisions on approvals, denials, or conditions based on established underwriting guidelines and risk assessment criteria.

Collaborate with loan officers and support staff to ensure a seamless application process and effective communication with members.

Prepare documents as needed as part of the loan and credit card process.

Ensure compliance with all regulatory requirements, internal policies, and industry standards related to credit card and lending practices.

Maintain accurate records of underwriting decisions and communicate the rationale for decisions to relevant stakeholders.

Help assist in researching, developing, and implementing new programs, products, and processes.

Entering notes on members’ accounts

Maintain accurate and complete files and records. Vaulting and/or scanning in work in a timely/accurate manner.

Monitor portfolios for risk and work with management to address any delinquency or potential issues.

Stay current on industry trends, regulatory changes, and best practices in underwriting.

Provide training and support to other staff members regarding underwriting guidelines and processes.

Maintain a filing system and procedures to monitor that the required documentation is received and maintained appropriately in accordance with policies and procedures.

Communicates regularly with the interrelated departments within the credit union.

  • Other duties as assigned

Required Education and Qualifications:

  • Minimum of 1-3 years of experience in credit card and consumer loan underwriting, preferably within a credit union or financial institution.
  • In-depth knowledge of credit card and consumer lending products, underwriting guidelines, and applicable regulations (e.g., RESPA, FCRA, ECOA).
  • Strong analytical and decision-making skills, with the ability to evaluate financial information and risk factors effectively.
  • Excellent communication and interpersonal skills, with a member-focused attitude.
  • Proficiency in loan origination systems, credit bureau platforms, and Microsoft Office Suite.
  • Experience with automated underwriting systems.

Schedule:

  • Day shift

Service First Federal Credit Union: Service First FCU has been open since 1934 providing banking services to more than 20,000 members across 43 counties with 3 locations in Sioux Falls, SD. Membership: Service First is a community-based financial institution. People living, working, or worshiping in our field of membership can become a member and access banking services. Membership is also open to the immediate family of current members.

Our Mission: To empower our members through financial services and education while promoting the people helping people philosophy and ensuring the future growth of the credit union.

Our Vision: Be the most preferred and trusted financial institution serving our members, their families, and future generations.

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