Job Specifications

Location

Charlotte, Columbia, Greenville, Lexington, Mount Laurel, New Jersey, North Carolina, South Carolina

Published

21 days ago

Credit Rep I (Bi-Ling:Eng & Span) 10/5 PM Shift Remote


The US Credit Cards & Unsecured Lending (CCUL) Credit Representative I assists with TD credit card customer and small business applications credit decision process and servicing existing accounts.

Requirements
High School Diploma or equivalent experience
0-2 Years of related experience
Analytical ability and computer skills, to understand and use automated underwriting system
Organized and detail-oriented
Ability to work in a high-volume, deadline-driven environment
Good communication skills, both verbal and written
Limited credit authority as applicable
Must be available to work a variable schedule which may include nights and weekends
  • Must be eligible for employment under regulatory standards applicable to the position.


  • Handles and decisions basic application processing
    Create new lines of credit and credit line increases
    Checks information to ensure data integrity by comparing findings to credit applications and system information
    Helps check and verify information in system vs. applications to ensure accuracy
    Orders, obtains, and utilizes credit reports and other applicable credit history information
    Assists with individual customer and small business applications credit decision process
    Communicates with customers as needed, obtaining information, explaining credit decisions and other related issues
    Reviews findings and results presented by underwriting system
    Responds to telephone, written and other inquiries regarding account balances, interest rates, charges, statement requests and other issues as applicable
    Resolves problems immediately within authority, defers for additional research or forwards to supervision or dispute resolution as needed
    Authorizes finance and other charge givebacks when appropriate and within limits of authority
    Refers Customer disputes to research area