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CBS - Credit Assistant

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Position Title:  Credit Assistant

 

Job Summary:

The role is responsible for providing thorough initial evaluation of various applications based on existing credit card policies and procedures. The jobholder's function includes encoding of applications from basic data entry to full data encoding and perform callouts to Sales or MB branches to complete deficiencies.

 

Specific Duties & Responsibilities:

  • Achieve the Key Performance Indicators (KPIs) of the Unit and Division such as service indicator, accuracy rate, efficiency rate, etc.

    • Liaise with other units for the monitoring of Priority/P1 requests or applications requiring special handling with timely feedback given to the requestor which may include requests for reconsideration and reprocess.

    • Verifies applications with Sales or MB branches to complete deficiencies.

    • Preparation and processing of list-based applications with recommended credit limit assignment.

    • Conducts full data encoding of applications in the system.

    • Follows strategies set for the Unit in maximizing resources and develop cooperation/teamwork across other members of the team.

    • Contribute to the Unit and Division's metrics by achieving daily and monthly goals set by the team.

    • Maintain a high level of efficiency by maximizing capacity and high level of accuracy by maintaining minimal defects in output.

    • Ensures that standard Turn-Around-Time (TAT) is strictly observed.

    • Creates effective strategies to minimize error and meet performance indicators.

    • Creates an environment of continuous process improvement.

  • Performance of Control Functions

    • Evaluate and decide outright on new and subsequent card applications based on existing credit policies guidelines.

    • Ensure completeness of information and necessary attachments on the credit card application prior full encoding of application in the system.

    • Identify and validate supporting documents received as attachments on the credit card application which include computing for the income of card applicant.

    • Participate in the accuracy sampling reviews conducted during the month.

  • Conduct Day-2 checking of reconciled requests and ensure that processing is within the agreed Turn-Around-Time (TAT).

  • Conduct Day-2 checking of applications endorsed for encoding to ensure TAT is observed

  • Tracking and reporting of upfront rejects

  • Perform callouts to Sales or MB branches to complete deficiencies

  • Generate transmittal for applications received, processed, and endorsed to the encoding unit or MCC vendor

  • Maintain a high degree of professionalism by following the code of conduct; and ensure compliance to all policies and procedures.

  • Work on projects that may be assigned from time to time.

  • Perform projects that may be assigned from time to time (e.g. BORC, BCP, Cost Champion, Corp. Correspondents, Line trainer, e-Champ)

 

Qualifications:

  • Bachelor's degree holder; preferably a graduate of business course

  • Basic knowledge in using different Microsoft applications: MS Word, MS Excel, and MS Powerpoint

  • Amenable to work onsite during weekdays and (weekend (if needed only)

  • Amenable to render overtime

 

Other Details:

Rank: Rank and File

Unit: Consumer Business Sector / Credit Operations Group / Credit Acquisition Division

Location:  Ayala, Makati

 

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