Credit Processor

Description

Credit Processors are responsible for entering Application and Vendor Data as well as simultaneously providing a first critical transaction screen for eligibility, accuracy, completeness, and truthfulness to ensure only suitable prospects and counterparties move forward. To perform these tasks, the Credit Processor utilizes a variety of applications and tools, both company-provided and external, as well as applies knowledge gained from experience and interactions with peers and management. Additional duties include updating Customer and Transaction information (i.e., reprocessings) and performing Vendor approvals.

Major Duties and Responsibilities

Application Entry and Review

• Enter all transaction information from an application and positively identify all parties, whether new or existing in Amur’s database.
• Download and review all internal (e.g., True Exposure) and third-party reports for credit review (e.g., PayNet, Experian, SOS, etc.).
• Identify inconsistent information, data outliers, and potentially fraudulent transactions.
• Validate automatic credit declines (e.g., Restricted Equipment, Restricted Industry, Mortgage Delinquency).
• Escalate Applications with incomplete, unclear, or inconsistent information.
• Complete an acceptable quantity of transactions daily across all origination channels to maintain the transaction queue fluid.
• Download and review all necessary reports for Vendor Approvals, and complete Vendor Approvals accurately and timely.
• Process reprocessings efficiently and accurately (e.g., Equipment changes).

Data Entry Quality

• Maintain a high and consistent degree of accuracy and completeness in reviewing, entering, and checking transaction data regardless of the activity pace.
• Correctly identify and define all dimensions of an application (e.g., Equipment Codes and SIC codes).

Customer Service and Cooperation

• Develop and maintain productive working relationships with peers in other Departments to ensure transactions are handled in an efficient and timely manner, as well as that the contents are clear and complete.
• Suggest to the Manager ideas for inter- and intra-Departmental process improvements.
• Provide training, guidance, and feedback to new hires as part of the onboarding process.
• Engage and inspire peers to exceed monthly production and accuracy goals and always project to internal and external constituencies a positive, high-energy image.

Requirements

Skills and Abilities

• Excellent verbal and written communication skills.
• Self-motivation with a strong sense of initiative, organization, accountability, and attention to detail.
• Strong analytical and problem-solving skills.
• Excellent interpersonal and conflict resolution skills.
• Proficient with Microsoft Office Suite or related software.
• Ability to handle multiple tasks during a constantly fluctuating workload.
• Detailed knowledge of industries, equipment types and Customer profiles financed by Amur.
• Ability to handle multiple tasks during a constantly fluctuating workload.
• Proficient in MS Office, including Excel and Word, Internet-based solutions, and information sources.
• Daily positive attitude.

Requirements

Education and Experience

• High School Diploma required.
• Prior experience in customer-facing and data-entry positions strongly preferred.

Supervisory Responsibility

This position does not have direct supervisory responsibilities. 

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. The employee is required to talk or hear; may be necessary to stand, walk, handle, or reach with hands or arms. This is predominantly a sedentary role; however, walking is often required. Some filing is required, calling for the ability to lift files, open filing cabinets and bend or stand on a stool as necessary. The team member is occasionally required to pack and move files or boxes as well as lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and the ability to adjust focus.

Travel

Occasional travel is required, mainly for visits to other AmurEF offices and for training sessions held outside the Grand Island area.

Other Duties

Please note that this job description is not intended to be a comprehensive listing of all activities, duties, or responsibilities required of the employee in this position. The duties, responsibilities, and activities for this position are subject to change at any time, with or without notice.