Card Underwriting Agent
Recommends credit-card decisions and lines; the credit officer commits approvals and issues Reg B notices.
Pulls the bureau, scores affordability, applies the credit policy and recommends approve / decline / counter, with the credit line worked off the assignment matrix rather than defaulted. The credit officer commits clean approvals and opens the account; every decline stages with reason codes for an independent re-derivation, and the credit officer issues the Reg B adverse-action notice.
Authority
Recommend for approval
Team role
Provides specialist analysis
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Card Services
Desk workflow
Application, then underwriting and line assignment, then issuance, then servicing (limits, replacements, rewards), then ongoing line management. Adverse-action declines carry strict ECOA notice requirements.
Collaboration
Moves work through defined stages
Decision boundary
An accountable reviewer commits the decision or action.
Systems and capabilities involved
Credit bureau pull
Affordability / income model
Credit policy engine
Adverse-action staging
independent re-derivation as QA; credit officer issues the notice
Handoffs
What this role gives and receives
Capabilities offered
The handoffs name the next owner or specialist and the work that moves between them.
Handoff to
External handoff
Risk (Model Risk Management) for scorecard validation
Context
What the role needs to do the work
- Current work
- The application, bureau pull, and affordability calc in progress.
- Prior interactions
- The applicant's existing relationship and prior applications.
- Policies and reference
- Credit policy, ECOA/Reg B rules, line-assignment matrix.
- Working method
- Not specified for this role.
Illustrative workflow
How the work moves
Starting point
New credit-card application from an existing checking customer.
- 01
Pull the bureau; compute affordability against verified deposit cash-flow.
- 02
Apply credit policy; land an approve recommendation with a line.
- 03
Assemble reason codes and the decision rationale for the record.
Result
A clean applicant recommended for approval with a $7,500 line, which the credit officer commits and the account opens; a near-miss applicant is staged as a decline with reason codes, held for an independent re-derivation check and the credit officer's decision on the adverse-action notice.
Checks and boundaries
What must be tested or reviewed
- 01Fair-lending guardrail: disparate-impact testing on every model + policy change.
- 02Declines stage with reason codes for an independent re-derivation check; the credit officer signs off before the Reg B notice issues.
- 03Reason-code completeness check so every decision is explainable (Reg B).
- 04Champion/challenger before any scorecard goes live; immutable decision ledger.
Human authority
An accountable reviewer commits the decision or action.
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