CBS - CREDIT SPECIALIST
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Position Title: Credit Specialist
Job Summary
The Credit Specialist position is responsible in processing additional requests for accredited merchants such as additional outlet, additional MID (Merchant ID) and various maintenance requests which include functions such as pre-screening, evaluation and verification of Merchant applications. The jobholder is also responsible in ensuring effective record management and back office support for the Merchant Acquiring Unit of Credit Acquisition Department, including the monitoring and handling of various merchant agreements.
Specific Duties & Responsibilities
Achieve the key performance indicators of the unit, e.g., Service Indicator, accuracy, efficiency, etc.
ADDITIONAL REQUEST FOR EXISTING MERCHANTS
• Processes additional outlet, additional MID and maintenance requests. This includes prescreening and evaluation within the standard turn-around-time.
• Performs callout related to merchant verification.
• Assign Merchant IDs (MID) and Terminal IDs (TID).
• Processes uploading of Merchant Data Sheet for approved MIDs &/or outlets.
• Processes disaffiliation requests (relationship, outlet or MID) that will require approval of Acquiring Head or Acquiring Sales Head.
• Requests deactivation &/or reactivation of TIDs to TPMP Unit (Operations).
• Mitigates risk exposure by recognizing compliance of merchant’s non-terminal sharing policy.
• Processes additional outlet or MID with Manual Key-In (MKE) function that will require approval up to President.
• Processes additional outlet or MID with Prepayment Exposure (PPE) and evaluates Merchant Credit Limit that will require approval up to President.
NEW MERCHANT APPLICATION
• Reviews merchant folders received from the Merchant Acquiring Team by performing the following pre-verification tasks:
1) Negative checking against internal databases such as Negative File Consolidation (NFC), Credit Internal File (CIF), Politically Exposed Person (PEP), Loan Origination System; and
2) Online inquiry with Mastercard and Visa through the MasterCard MATCH (Member Alert to Control High Risk) and Visa Merchant Trace System (VMTS), respectively.
• May assist Decisions Officers in prescreening documents of new merchant applications.
ANNUAL REVIEW OF MERCHANT FOLDERS (effective 2016):
• Performs Annual Review and evaluates performance of accredited merchants.
• Recommends renewal or termination of the relationship, obtaining security or collateral, reduction of merchant, putting merchant in probationary and/or delaying of payment depending on the outcome of the evaluation.
• Validates Risk Level of the merchant being reviewed.
• Reviews fraud-to-sales ratio, chargeback, and sales volume of the merchant being reviewed.
ADMINISTRATIVE AND PERFORMANCE OF CONTROL FUNCTIONS
Qualifications:
• Bachelor’s degree holder; preferably graduate of a business course.
• At least 1 year of work experience in a bank, credit card, or merchant acquiring environment.
• Experience in dealing with internal and external customers who have varying requirements is an advantage.
• Proficient in the following Microsoft applications: MS Word and MS Excel; knowledgeable in MCC’s Host System, NFC Module, and CIF is an advantage.
• Office and file management experience is an advantage.
Other Details:
Rank: Rank and File
Unit: Consumer Business Sector / Credit Operations Group / Credit Acquisition Division
Location: Ayala, Makati