Credit Services Professional

The Credit Professional is responsible for processing credit applications and reviewing referred transactions for credit approval, with a Financial Delegation of Authority up to $100K, from multiple business channels, in compliance with departmental, company and multi-jurisdiction requirements. Come work with us!

• Location: This position is in-person with an optional hybrid schedule at our facility in Parsippany, NJ.
• Hours: Monday - Friday 10:30a.m. - 7p.m. EST. Will need flexibility to work some weekends, holidays help covering vacations when necessary.

Key Accountabilities:

Application Processing

Analyze applicants' financial status and review elements of credit profile to decision the approval or denial of credit line ensuring financial risk to the company is mitigated.

Apply critical thinking skills to probe for integral information, through questioning or using research tools, to determine optimal credit terms or to detect fraudulent activity.

Transaction Authorization

Evaluate the status of existing accounts, update the credit profile and validate information as needed to decision the approval or denial of referred transactions.

Perform due diligence on referred checks to assess potential financial exposure to support decisions to approve or deny self-risking checks.

Complete and document manual adjustments to prepaid access cards when off-line or system issues occur, ensuring uninterrupted customer service to both external customers and selling organizations.

Transaction Support

Through strong interpersonal skills, provide internal customers with guidance and instruction on credit related procedures to ensure compliance with company policy, legislative requirements and industry standards.

External Customer Support

Apply confirmed customer service competency to optimally handle and respond to various direct inquiries from external customers via phone, mail and email ensuring issues are thoroughly and timely researched, addressed and results clearly detailed and communicated, relying upon general knowledge of interdepartmental procedures, and internal contact points, to formulate and follow through on issue resolutions.

Required Qualifications:

• Bachelor's Degree, preferably finance or business related
• 2-4 years related experience in a credit extension AND high demanding customer service environment
• Strong verbal and written communication skills
• Critical thinking, problem solving, and decision-making skills
• Work well under pressure and time constraints
• Ability to navigate the Web and Web based applications
• Adaptable to work a flexible schedule
• Capable of telecommuting to meet the department's needs and business requirements
• Ability to communicate clearly with others over the phone

Preferred Qualifications:

• Familiarity with reading financial reports
• Basic understanding of Point of Sale and order entry systems