Credit Card Representative I

Job Description

The Credit Card Representative is responsible for providing excellent customer service and maintaining strong professional relationships. He or she professionally responds to customer emails and telephone calls. The Credit Card Representative is responsible for day to day activities related to the Credit Card and Money Line Services. He or she courteously and promptly resolves Credit Card and Money Line questions and problems or refers them to appropriate personnel. The Credit Card Representative establishes and performs set-up for new accounts. He or she ensures that the Credit Card and Money Line operations are completed in accordance with established bank procedures.

Qualifications

• Must be at least 18 years old
• High school diploma or GED required
• Knowledge of Microsoft Office software products and a strong ability to use and navigate the Internet is required
• Previous banking experience preferred
• Ability to maintain confidentiality in all situations
• Strong customer service skills
• Accurate and attentive to detail
• Well organized with good typing skills
• Strong proofreading skills
• Willing and able to help others
• Excellent verbal and written communication skills as well as professional telephone etiquette
• Able to get along well with coworkers
  
  

Responsibilities

• Assumes responsibility for processing functions for credit Cards
• Orders credit cards and performs account maintenance and input
• Answers questions for customers, branch personnel and management regarding credit cards, i.e. balance and payment information, pin resets, etc
• Accepts and processes credit card payments submitted by customers via mail or phone. Processes credit card payments received and submitted via branch transactions
• Ensures that all credit card functions are compliant with bank policy and procedures and state and federal regulations
• Receives delinquency reports from the computer system and verifies the status of the accounts. Keeps accurate and up-to-date activity reports and research accounts that appear on late and potentially late records to ensure that D.L. Evans Bank errors are detected promptly. Provide account holders the opportunity to fully explain their account status
• Follows up on delinquent credit card accounts by telephone, personal contact, and correspondence to secure a satisfactory resolution to the repayment problem. Makes suggestions in order to arrive at suitable payment arrangements. Documents all collection actions taken, including telephone conversations, alternative financial arrangements, and correspondence on computer
• Utilizes effective human relations skills and various forms of persuasion to present a positive company image in an already negative situation (delinquency). Calms irate clients and answers questions and complaints relevant to Department functions
• Actively seeks to minimize loan losses by monitoring past-due credit card accounts
• Refers accounts to Special Assets Department for bankruptcy actions, deceased borrower handling, and workout plans or discussing possible financial arrangements
• Assumes responsibility for processing functions for Consumer and Business Money Lines
• Complete daily maintenance consisting of new or changes to Consumer and Business Money Lines
• Answers questions from customers, branch personnel and management regarding money lines, i.e. balance and payment information, etc.
• Keeps management informed of area activities and any significant problems or concerns
• Helps other area personnel as required
• Maintains the professional reputation of D.L. Evans Bank
• Promotes D.L. Evans Bank at all times
• Serves as a representative for D.L. Evans Bank in the community
• Keeps work area clean, secure, and well-maintained
• Completes special projects as assigned
• Attends and participates in meetings as required
  
  

Company Description

D.L. Evans Bank is a community bank and has been since 1904. For many years, we have provided premier banking services to the residents of Southern Idaho and Northern Utah while fostering a working environment for our employees dedicated to teamwork and excellent customer service. If you are a dynamic and customer-driven individual, whether an experienced banker or just beginning your career, we encourage you to continue with this applicant friendly, online job application!

D.L. Evans Bank is an Equal Opportunity Employer – veterans/individuals with disabilities. VEVRAA Federal Contractor. EOE/AA/Vets/IWD.

Benefits

• Medical Insurance
• Dental Insurance
• Vision Insurance
• FSA
• 401(k)
• Employee Stock Ownership Plan
• Paid Vacation
• Sick Time
• Life Insurance
• Long-term Disability Insurance