Banking Operations Analyst

"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

Key Responsibilities :

o    Review new applications for fraud and credit risk, making outbound calls for fraud and employment verification.

o    Analyze conversations with applicants in real-time to assess potential fraud risk.

o    Document and approve requirements based on analysis of credit policies.

o    Administer and control credit terms and limits.

o    Perform credit limit reviews, reinstatements, and account maintenance.

o    Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer’s requirements and ability.

o    Communicate directly with applicants, adhering to brand standards.

o    Liaise effectively with other areas impacting the Credit Department.

o    Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking.

o    Maintain / exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk.

o    Ensure high levels of accuracy in report maintenance and tracking.

Qualifications and Requirements :

o    Bachelor's degree in Finance, Business Administration, or a related field preferred.

o    Previous experience reviewing and approving credit is an asset.

o    Minimum of 3-5 year of customer service experience.

o    Credit card experience required; credit and fraud experience is an asset.

o    Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner.

o    Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations.

o    Ability to communicate tactfully with various levels of business management in a professional manner.

o    Strong organizational and time management skills with the ability to prioritize and manage a heavy workload.

o    Demonstrated ability to implement change efforts.

o    Highly motivated with the ability to work independently in a fast-paced team environment.

o    Knowledge of PCs and strong keyboarding skills.

o    Proficiency in MS Word, Excel, and Outlook is an asset.

o    TSYS / ADM system knowledge is an asset.

o    Flexibility and willingness to work overtime as required.

Additional Information :