Provide assistance in the area of credit card application adjudication as well as on- going maintenance of credit requests on all active accounts. Responsible for the review and assessment of credit risk on small to medium sized consumer accounts. Assess and mitigate fraud risk on new credit card applications. Support both inbound and outbound calls with a focus on providing excellent service and sound credit decisions.
Maintaining/exceeding established standards and targets and adhering to all credit policies, procedures and guidelines
Administering and controlling credit terms and limits
Assessing credit worthiness of prospective customers
Approving and/or recommending appropriate credit terms and credit limits based on customer requests and credit worthiness
Initial fraud review of applications and taking appropriate verification requirements
Converse effectively with credit card applicants and cardholders
Provide all customer service functions for active accounts including discussing complex promotional terms and account conditions
Excellent communication skills in English and French (listening/verbal/written) with emphasis on active listening, probing and negotiation skills – interpersonal skills are essential.
2-3 years credit, lending or collection experience required
2-3 years credit card or fraud experience an asset
2-3 year customer service experience required
Excellent telephone communication skills with emphasis on customer service
Good listening and negotiation skills
Credit and Fraud situations also require problem solving, some analytical skills, and general knowledge of the business environment to assist with fraud detection
Ability to communicate tactfully to various levels of business management in a professional manner.
Ability to interpret and effectively utilize credit bureau reports
Strong organizational and time management skills
Prioritization skills required to manage a heavy workload
Excellent written communication skills and able to “talk & type”
Demonstrated ability to work effectively in a team setting
Highly motivated with ability to work independently in a fast paced environment
Flexible, reliable, conscientious and able to follow directions
Proficiency in MS Word, Excel, and Outlook are an asset
Millennium1 Solutions is an equal opportunity employer and welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.