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SUMMARY: Assists the Credit Manager in handling credit requests, collection of delinquent accounts and the overall running of the Credit Department through the performance of the below listed duties.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:
Initiates the credit investigation process as well as periodic reviews of customer accounts by running reports such as credit bureaus, business reports, and verifying trade and bank references.
Reviews and tracks credit and Helena Finance loan applications submitted by location personnel and follows up with location or customer on incomplete information.
Processing of various updates, transactions and adjustments within Oracle environment including customer account updates and customer account adjustments.
Supports others in the Credit Department through customer account and credit file maintenance. Also, the processing and distribution of various internal reports such as account aging reports as well as other reports. Communicates with others in the department and throughout the company as needed.
Maintains credit files for all customers in conformity with company credit file documentation guidelines, and assists Credit Manager and Asst Credit Manager in periodic review and updating of these credit files.
Provides customer credit information or ratings upon request to various creditors, credit agencies, or banks.
Provides customer account support such as account reconciliation, balance and payoff information on accounts, etc. to location personnel and customers as needed.
Other administrative duties as assigned by supervisor/manager.
Reliable and regular attendance is expected.
QUALIFICATION REQUIREMENTS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below 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: High school diploma or equivalent and minimum two years related work experience required. Previous credit, lending or underwriting experience preferred.
OTHER SKILLS and ABILITIES:
Good computer skills including working knowledge of the Microsoft Office package.
Good decision-making skills.
Good analytical skills.
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 use hands to finger, handle, or feel objects, tools, or controls and talk or hear. The employee frequently is required to stand, walk, and sit. The employee is occasionally required to reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl.
The employee must frequently lift and/or move up to 20 pounds.
WORK ENVIRONMENT: The work environment characteristics 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 quiet.