Banking Operations Associate

"Position Overview:

As a Credit Analyst, you will be part of a team performing outbound calls and offline work, adjudicating credit, conducting thorough investigations on credit bureaus, and deciding on the customer’s creditworthiness. Reporting to the Supervisor, Operations, this role offers a solid foundation for a career in Credit Card Operations.

Position Details:

• Position: Credit Analyst
• Status: Full Time – Work from Office
• Hours: Monday – Friday, 9:00am – 8:00pm IST
• Department: President’s Choice Financial
• Rate of Pay: Competitive salary based on experience and qualifications
  
  

• Fraud and Credit Risk Review:
• Review new applications for fraud and credit risk, making outbound calls for fraud and employment verification.
• Analyze conversations with applicants in real-time to assess potential fraud risk.
• Document and approve requirements based on analysis of credit policies.
• Credit Management:
• Administer and control credit terms and limits.
• Perform credit limit reviews, reinstatements, and account maintenance.
• Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer’s requirements and ability.
• Customer Interaction:
• Communicate directly with applicants, adhering to brand standards.
• Liaise effectively with other areas impacting the Credit Department.
• Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking.
• Compliance and Reporting:
• Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk.
• Ensure high levels of accuracy in report maintenance and tracking.
  
  

• Educational Background:
• Bachelors degree in Finance, Business Administration, or a related field preferred.
• Experience:
• Previous experience reviewing and approving credit is an asset.
• Minimum of 1-2 year of customer service experience.
• Credit card experience required; credit and fraud experience is an asset.
• Skills and Competencies:
• Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner.
• Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations.
• Ability to communicate tactfully with various levels of business management in a professional manner.
• Strong organizational and time management skills with the ability to prioritize and manage a heavy workload.
• Demonstrated ability to implement change efforts.
• Highly motivated with the ability to work independently in a fast-paced team environment.
• Knowledge of PCs and strong keyboarding skills.
• Proficiency in MS Word, Excel, and Outlook is an asset.
• TSYS/ADM system knowledge is an asset.
• Flexibility and willingness to work overtime as required.
  
  

• This role requires rotational shifts, which may include evenings, weekends, and holidays.
• The position offers opportunities for professional growth and development within the Credit Card Operations department.