Credit Officer - Swedish Market

NOBA Bank Group; Norway; Hybrid; NOK 550,000 - 750,000; Full time

Job summary

NOBA Bank Group in Norway is seeking a Credit Officer to support the Swedish market. You will assess loan, credit card, and credit line applications, and provide sound lending decisions while upholding the bank's commitment to transparency and fairness.

You will work in a small team, collaborate with AML, Fraud and Customer Service, and develop best practices, training new colleagues, and contribute to process improvements as the role evolves.

Qualifications

• Fluent in Swedish and English.
• Experience in banking, finance, or credit assessment.
• Understanding of credit basics and lending concepts.
• Comfortable working across multiple systems.
• Able to justify decisions with sound reasoning.

Responsibilities

• Assess credit applications for loans, cards and lines and make responsible lending decisions.
• Evaluate customers’ creditworthiness using data and judgement.
• Handle inquiries related to credit applications across channels.
• Manage payment files and monitor credit limits.
• Contribute to process improvements and best practices.
• Support onboarding and training of new colleagues.

Skills

Swedish language

English language

Banking experience

Credit assessment

Decision making

Multisystem experience

Education

Finance or Economics degree

Job description

Shape the future of responsible lending in a bank that puts people at the centre. At NOBA Bank Group, we believe that healthy finances empower individuals and society. As the Nordic region’s largest specialist bank, we offer tailored lending solutions that are sustainable for the individual, the bank and the wider community. We are now looking for a Credit Officer to support our Swedish market. In this role, you will make well-grounded credit decisions, champion customer satisfaction and help us refine how we work. This is more than processing applications; it's about safeguarding our reputation for transparency and fairness.

About The Role

As a Credit Officer, you will be part of a close‑knit team of four Credit Officers and a Team Manager. Together, you handle credit assessments, advise customers and collaborate with colleagues across NOBA, including Customer Service, AML and Fraud. You will review loan, manage payment files, review credit card and limit increase applications. You will also contribute to developing best practices and training new team members. Your analytical work will be balanced with customer interaction, giving you a well‑rounded understanding of our operations.

We are constantly evolving, and your role will evolve too. You will have the opportunity to deepen your expertise in credit and branch out into related areas such as AML, DFC and customer experience. NOBA’s culture values openness, trust and diversity. Everyone is seen, heard and respected and we recognize that different backgrounds and perspectives enrich our workplace. You will join at a time when we’re building new processes and investing in our people, so your ideas will be heard.

Main Tasks

• Assess credit applications: loans, credit cards and credit lines, and make responsible lending decisions.
• Evaluate customers’ creditworthiness using data and judgement.
• Handle customer inquiries related to credit applications across various channels.
• Manage payment files
• Contribute to process improvements and help develop best practices.
• Support onboarding and training of new colleagues.
• Collaborate with other departments, including Customer Service, AML and Fraud Prevention.

We Are Looking For You Who

• Speaks Swedish and English fluently.
• Has experience from banking, finance, credit assessment or a related field.
• Understands the basics of credit and lending, including interest rates, risk and regulatory requirements.
• Is comfortable working in multiple systems and can juggle several tasks at once.
• Makes decisions confidently and can justify them.

It’s Positive If You

• Have experience assessing credit or lending decisions in a bank or financial institution.
• Hold a degree in finance, economics or a related discipline.
• Speak other Nordic languages; Finnish is particularly useful.

To thrive and perform well in the role, we believe that you need to be: Detail‑oriented and structured, ensuring that every decision is consistent and well documented. You understand that credit isn’t just numbers; it’s about balancing risk with opportunity. You take ownership of your responsibilities and are curious about improving how we work. You enjoy collaborating with colleagues and sharing knowledge. Flexibility is essential, our processes evolve quickly and you adapt without losing sight of what matters. We value accountability, creativity, results and self‑awareness, and we also believe that when people feel safe and respected, they perform better. In addition to this, it is important to us that you recognize yourself in our values: we are wholehearted, we collaborate and we take the lead.

Practical Information

Start: As soon as possible

Location: Snarøyveien 36, Fornebu

Form of employment: Permanent, full‑time.

Working hours: Flexible, with core hours from 09:00–15:00. Hybrid work is possible, typically two days per week from home.

Application deadline: We review applications on an ongoing basis.