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Credit Service Representative
3 months ago
**WHO WE ARE**:
Xactus (pronounced ‘Zac-tus’) is the leading verification innovator for the mortgage industry. We have over 6,500 clients ranging from the largest bank and non-bank mortgage originators to credit unions and mortgage brokers. With 12 operation centers across the U.S., Xactus works closely with our clients to digitally integrate a 360° approach to verification across their workflows. As a result, lenders can easily access the technology necessary to meet consumer demands for a modern mortgage experience with industry-leading speed, reliability, and accuracy - while also closing more loans more quickly with greater profitability.
We provide a friendly work environment while also providing many opportunities for you to enhance your skills. We have a top-notch financial leadership team who prioritizes building talent. If you are curious and searching for a change that will be fun and rewarding, please reach out to us We would love to have you on our team
**WHO YOU ARE**:
You are a career-minded, driven individual who is looking for a position that challenges you and supports your professional development.
**SUMMARY**:
The Credit Service Representative (CSR) is responsible for providing effective customer service for all customers by using excellent, in-depth knowledge of company products and services as well as communicating effectively with team members within the customer service department. This position is full-time, Monday - Friday, 11:30am - 8:00pm EST.
This position is on-site for training (3-4 weeks) but will transition to fully remote after training.
**ESSENTIAL FUNCTIONS**:
**ESSENTIAL DUTIES AND RESPONSIBILITIES**
- Provide customer centric service in line with company standards.
- Analyzes incoming electronic and telephonic information and requests.
- Manages incoming supplement requests as well as pending requests.
- Directs calls and inquiries to appropriate area/function as applicable.
- Processes sensitive Personal information.
- Must understand some complicated issues like foreclosure, bankruptcy and other implications on status with handling credit verifications.
- Required to review and interpret credit report and data contained within
- Provides timely and accurate information to incoming customer calls/electronic requests.
- Processes supplements on a timely basis. Meeting departmental goals on production, turn-time and quality.
- Adheres strictly to training manual and procedures.
- Follows all workflows and documents all actions in proprietary system.
- Answers incoming phone calls within 3 rings.
- Assists other team members as needed.
- Participates in skills training, as requested.
- Adheres to, and maintains compliance with, all Federal and State regulations and Universal policies and procedures.
- Performs other related duties as required and assigned.
**QUALIFICATIONS**:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
**EDUCATION AND/OR EXPERIENCE**:
- A minimum of a high school diploma or equivalent. Associate or bachelor’s degree preferred.
- At least one to three years of relevant entry level business or customer service experience.
- Excellent interpersonal skills to develop and maintain effective working relationships with all levels of management, customers, and team members.
**SKILLS AND COMPETENTCIES**:
- Exceptional verbal and written communication skills, with the ability to interact comfortably with clients in a professional manner.
- Proficiently in using Microsoft Office software.
- Problem-solving skills with the ability to handle complaints and difficult situations.
- The ability to work independently and as a part of a team.
**WORKING CONDITIONS**
Traditional office environment with low-to-moderate office noise (computers, phones and business conversations).
**PHYSICAL DEMANDS**
- Xactus promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and team members. Please contact your supervisor or Human Resources with questions regarding the physical demands of this position._
- Lifting/carrying up to 10 lbs.
- Manual dexterity for computer and phone work
- Speaking, hearing and vision are required to perform essential functions
**THE BENEFITS WE OFFER**:
A friendly, supportive environment which is highly rated by Xactus employees. Feedback from our employees says: “The people I work with treat each other with respect,” “I feel accepted by my coworkers,” and “The person I report to cares about me as a person.”
The compensation offered for this position starts at $18.30+ per hour. Compensation is commensurate with experience.
Xactus offers health, vision and dental insurances, college
