Processor, Credit Card Credit Operations

Merrick Bank • South Jordan, UT

5d

About The Position

Join our team - and take the next step in achieving a fulfilling career! What We Do At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise . Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most. Who We Are CardWorks, Inc. is a diversified consumer finance service provider and parent company of CardWorks Servicing, LLC, Merrick Bank and Carson Smithfield, LLC . CardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans.  We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees. Merrick Bank is an FDIC-insured Utah Industrial Loan Bank . Merrick operates three main business lines : credit cards, recreational lending, and merchant services. Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management. Essential Functions: Processes credit applications using the application processing system and applicable procedures. Maintains a thorough knowledge of product and program credit policies and department procedures that execute policies. Maintains a thorough knowledge of both State and Federal banking regulations. Identifies areas of opportunity within department processes and offers ideas and suggestions for improvement. Coordinates with Team Leader, completes work and projects within assigned schedule and timeline. Performs inbound and outbound calls from/to current and potential customers as assigned. Assists the unit Team Leader as directed. Compliance with Laws & Regulations: Responsible for complying with all the Bank’s internal control policies and procedures. Responsible for understanding and complying with all laws and regulations to which the Bank is subject. Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.

Requirements

• High school diploma or equivalent is required.
• Proven ability to work effectively in a production environment.
• Effective planning, organizational, time management and problem-solving skills.
• Able to communicate effectively and professionally with external customers via telephone and written communications.
• Proven ability to work effectively under pressure.
• Skill at handling a variety of assignments simultaneously.
• Flexibility and willingness to work at a rapid pace in strict time frames.

Nice To Haves

• Two (2) years’ work experience in a credit-related position is preferred.
• Keyboard and Windows-based applications (Microsoft Office) experience preferred.

Responsibilities

• Processes credit applications using the application processing system and applicable procedures.
• Maintains a thorough knowledge of product and program credit policies and department procedures that execute policies.
• Maintains a thorough knowledge of both State and Federal banking regulations.
• Identifies areas of opportunity within department processes and offers ideas and suggestions for improvement.
• Coordinates with Team Leader, completes work and projects within assigned schedule and timeline.
• Performs inbound and outbound calls from/to current and potential customers as assigned.
• Assists the unit Team Leader as directed.
• Responsible for complying with all the Bank’s internal control policies and procedures.
• Responsible for understanding and complying with all laws and regulations to which the Bank is subject.
• Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.

Benefits

• Competitive Pay , including a Bonus Target or Variable Pay Incentive Program
• Benefits Package -Medical, Dental, and Vision (plus much more)
• 401(k) Plan with Company Match
• Short- & Long-Term Disability
• Wellness Programs
• Group Life and AD&D Insurance
• Paid Vacation, Sick Days and bank Holidays
• Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED
• Number of Employees: 251-500 employees