Experience and Skills
POSITION SUMMARY:
Responsible for executing daily duties in the Card Services
department including Visa Debit and Credit card functionality, credit
monitoring, and credit risk mitigation. Activities performed are in
alignment and in accordance with all Card Service department processes
and procedures. Services are professionally delivered and internal
associates and members are provided excellent member service.
ESSENTIAL FUNCTIONS:
- Assist manager in department project planning, research, project
tasks and completion
- Manage all credit related strategies for the credit card
portfolios from a 1st Line of Defense perspective.
- Monitor portfolio risk trends through analytics and improvement of
portfolio reporting.
- Develop framework for portfolio risk assessment including
evaluation of credit and financial performance across the credit
card portfolio
- Understand applicable credit policies, industry regulations and
the impact of those governance items
- Perform daily duties in Card Services department to ensure
effective completion of all daily, weekly, monthly and annual tasks
- Follow all established Card Services policies and procedures
- Work within Visa Debit and Credit card processes and procedures
are conducted in accordance with established policy guidelines and
standards, and are properly documented
- Ensure Card Service department functions are efficiently and
effectively performed in accordance with established Credit Union
policies and standards and with applicable laws and regulations
- Complete required reports and related documents promptly and
accurately, and in compliance with Credit Union guidelines and
policies. Ensure the maintenance of department records and ensure
the availability of adequate services and materials to support
retail line of business activities.
- Ensure that members are properly informed of Credit Union Visa
Debit and Credit card practices and that requests, problems, and
questions are promptly resolved
- Ensure that the Credit Union's professional reputation is
maintained internally and externally
- Represent and assist departmental projects that involve Card
Services and involve other line of business and stake holders as
warranted across the organization
- Assume responsibility for related duties as required or assigned
QUALIFICATIONS
Education/Certification:
- High School Diploma required
Required Knowledge:
- Working understanding of Credit Union Visa Debit and Credit card processes
- Familiar with Visa card regulatory compliance
- Working knowledge of related computer applications
Experience Required:
- Two to five years experience
- Knowledge of Visa and credit risk management
- Knowledge of retail operations relating to the member experience
Skills/Abilities:
- Strong interpersonal skills
- Strong communication skills
- Good problem-solving abilities
- A high level of analytical skills
- Ability to make sound decisions to protect the Credit Union
- Takes initiative
- Ability to operate related computer applications and business equipment
WORKING CONDITIONS:
- Standard office conditions
- Low to moderate noise
- Limited lifting up to 10 lbs.
This description has been reviewed to ensure that only essential
functions and basic duties have been included. Peripheral tasks,
only incidentally related to each position, have been excluded.
Essential functions, requirements, skills, and abilities included
have been determined to be the minimal standards required to
successfully perform the positions. In no instance, however, should
the duties, responsibilities, and requirements delineated be
interpreted as all-inclusive. Additional functions and requirements
may be assigned by supervisors as deemed appropriate.
In accordance with the Americans with Disabilities Act, it is
possible that requirements may be modified to reasonably accommodate
disabled individuals. However, no accommodations will be made which
may pose serious health or safety risks to the employee or others or
which impose undue hardships on the organization.
The Credit Union believes that each employee makes a significant
contribution to our success. That contribution should not be limited
by the assigned responsibilities. Therefore, this job description is
designed to outline primary duties, qualifications, and job scope,
but not limit the incumbent. It is our expectation that each
employee will offer his/her services wherever and whenever necessary
to ensure the success of our endeavors.
Job descriptions are not intended as and do not create employment
contracts. The organization maintains its status as an at-will
employer. Employees can be terminated for any reason not prohibited
by law.
This Job Description is not a complete statement of all duties
and responsibilities of this position and may change with or
without notice.
