• Examine the customer’s credit application and financial records to determine whether they are qualified for a credit line or loan. Use credit bureau data to conduct a risk assessment of the application before making a final decision and approve or decline the application based on finding. Supervise and fundamentally evaluate applications in light of company’s credit policies and procedures while maintaining strict confidentiality of all financial data.• Analyse a high volume of financial documents and statements to solidify credit worthiness and identify risk factors associated with credit application and manually adjudicate a per credit policies and regulation set by CIBC.• Utilizing multiple tools, including multiple credit bureaus, examine client’s financial assets with debt ratio, conduct due diligence, verify client AML compliance, and establish a risk factor index for the company and hence approve or decline the application by taking a final decision.• Skilled in adjudication and has hands on experience on TSYS, COMPASS and ECIF.• Perform IVA evaluation on applications by reaching credit bureau and surveying the information and perform intensive breaks down and correlation with the client dataconsequently staying away from fraudulent applications