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Credit Card Lending Analyst

2 months ago

Farmington, Michigan, United States Community Choice Credit Union Full time
Job Overview

Mission & Core Principles

The fundamental mission of this role is to support Community Choice Credit Union in fulfilling its commitment to empowering our community members to achieve their desired lifestyles. A vital aspect of this mission is to deliver exceptional service to both internal and external stakeholders by embodying our core principles.

Role Summary

This position is accountable for optimizing the performance and functionality of our credit card lending systems. The ideal candidate will possess a deep understanding of credit card lending procedures, exhibit strong analytical capabilities, and demonstrate the ability to work collaboratively with various teams.

Key Competencies

  • Core Principles:
    1. Dedicated: We are devoted to serving Michigan, guided by the foundational values of the credit union movement, including service, integrity, and respect for all individuals.
    2. Generous: We contribute significantly every day to our members, communities, and one another. Our commitment to Michigan includes volunteering our time and resources to support the communities we serve.
    3. Trustworthy: We act as our Members' reliable financial advisors; every team member plays a crucial role in enhancing our Members' financial well-being and the success of Community Choice Credit Union.
    4. Collaborative: We function as a cohesive unit. We come together to achieve success, celebrate accomplishments, and continually enhance the service we provide to our members and communities.
  • Flexibility/Proactivity: Adapts swiftly and effectively to evolving conditions and demands, viewing change as an essential and inevitable part of organizational life, as well as an opportunity for learning. Capable of taking on various tasks and roles within the organization, seamlessly transitioning from one focus to another, and stepping in for colleagues during absences or high workloads. Seeks innovative and productive ways to add value to the organization and/or team, maintaining a positive attitude amidst organizational changes and providing constructive feedback for ongoing improvement.

Position Requirements

1. Analytical Thinking: Takes a proactive stance in anticipating and mitigating issues. When challenges arise, identifies the problems, investigates barriers, gathers pertinent information, determines whether a group decision is necessary, generates and evaluates alternative solutions, and arrives at a feasible resolution.

2. Teamwork and Cooperation: Fosters an environment that encourages teamwork and removes obstacles to collaboration. For instance, articulates shared objectives, clarifies how individual contributions lead to team success, and provides clear guidance and adequate resources while minimizing barriers to collective achievement.

3. Detail Orientation: Adheres to detailed protocols; ensures precision in documentation and specifics; focuses on routine tasks; remains organized and maintains a systematic record-keeping approach.

4. Mastery of Essential Responsibilities: Capable of executing key responsibilities as outlined in the job description. Contributes effectively and adds value within the role. Eager to learn and enhance performance.

  • Comprehend all credit card marketing materials and assist the Lending management team with credit card initiatives and promotions. Review content from PSCU and the Community Choice marketing team for accuracy. Responsible for collecting necessary documentation from all stakeholders and vendors within designated timeframes to enhance the credit card portfolio.
  • Assist with pricing adjustments for credit card systems, including tier pricing, semi-annual and annual rate reviews, and Prime rate modifications.
  • Stay updated on all Credit Card Policies and Guidelines.
  • Support periodic evaluations of high-limit credit cards for risk assessment and provide suitable recommendations to lending management.
  • Distribute credit card disclosures to regulatory bodies quarterly.
  • Possess knowledge of CARDAct and communicate necessary updates to lending management.
  • Conduct competitor credit card rate and fee market analysis for benchmarking. Suggest pricing modifications as needed for market positioning and compliance.
  • Revise Credit Card Disclosures as required.
  • Remain informed about all PSCU, Mastercard, and regulatory credit card communications, keeping relevant stakeholders updated.
  • Assist lending managers with credit card audits by gathering requested information.
  • Monitor New Accounts Journal to ensure only valid accounts are opened and that all information from the original application is accurately entered, and oversee the credit limit change report to confirm only approved limit increases are processed. Validate applications and documents through the Meridian link report.
  • Generate monthly and quarterly credit card reports.
  • Effectively communicate the status of merger and project tasks and timelines to keep all stakeholders informed.
  • Process business credit card applications along with member notifications and adverse action letters to ensure approval timelines meet or exceed established goals.
  • Assist in managing the credit card portfolio to maintain an accurate and current database system, ensuring compliance with regulatory guidelines. Stay informed about Adaptive Control Systems Matrix settings, PCF settings, and other portfolio configurations, offering recommendations as necessary.
  • Advise and support the Lending management team with operational tasks related to the implementation of credit card products.
  • Provide assistance with Helpdesk Ticket requests, data validation, and testing for business functionality.
  • Act as a subject matter expert and assist with training needs that may arise.

Job Qualifications

To succeed in this role, an individual must be capable of fulfilling each essential duty satisfactorily. The qualifications listed below represent the knowledge, skills, and/or abilities necessary for this position.

Remote Work Eligibility

This position is fully eligible for a Hybrid Work Arrangement.

Reasonable Accommodations

The physical and mental demands are representative of those that must be met by an employee to successfully perform the essential functions of their job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job requirements and physical demands within our work environment.

Education

High School Diploma

Experience

2-4 years of experience in a credit card operations environment.

Skills & Abilities

  • Comprehensive knowledge of credit card requirements within the financial sector.
  • Strong familiarity with credit card systems, products, policies, and procedures.
  • Ability to clearly communicate departmental needs with lending management.
  • Proficient computer skills, including the Microsoft Office suite, with the capacity to learn and adapt to new systems.
  • Multi-task oriented with demonstrated flexibility.

Mental Demands

The team member must be able to read and interpret documents or instruments, understand and/or follow complex written and oral instructions, make decisions, recall multiple policies or procedures, resolve problems or unique circumstances promptly and efficiently, express oneself clearly and concisely, perform mathematical functions, and manage multiple concurrent tasks.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to talk or hear. The employee is frequently required to sit and use hands to finger, handle, or feel. The employee is occasionally required to stand; walk; reach with hands and arms; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds.

Work Environment

The characteristics of the work environment described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

General Statement

The above statements are intended to describe the general nature and level of work being performed by individuals assigned to this role. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions.