Credit Card Specialist (Hybrid)

Purpose & Core Values

The primarypurpose of any position is to assist Community Choice Credit Union to live out our purpose: we believe in helping our neighbors achieve the life they desire. A key component of this purpose is to provide outstanding service to both internal and external members by living our core values.

Position Summary

This role is responsible for supporting and administering the Credit Union’s Credit Card processing and Credit Card strategies to increase product penetration and enhance the organization’s Credit Card portfolio. This role is an individual contributor within the organization.

Core Competencies

• Core Values:
• Committed: We are committed to serving Michigan guided by the principles that underlie the credit union movement of service, integrity, and respect for every human being.
• Charitable: We Give Big every day to our membership, our communities, and each other. We are dedicated to supporting Michigan by giving our time and services to the communities we serve.
• Credible: We are our Members’ trusted financial advisors; each Team Member plays an integral role in the well-being of our Members’ financial lives and the success of Community Choice Credit Union.
• United: We are a Team. We unite to achieve success, celebrate success, and continually improve the service we provide to our members, our communities, and each other.

• Adaptability/Initiative: Adjusts quickly and effectively to changing conditions and demands, views change as a necessary and inevitable aspect of organizational life as well as an opportunity to learn new things. Is able to take on a variety of different tasks and roles in the organization. Can move in a relatively seamless manner from one task or focus to another and can fill in for other team members when they are absent or are experiencing work overload. Looks for new and productive ways to make an impact/value to the organization and/or team. Demonstrates a positive attitude when faced with organizational change and generates constructive feedback for continuous improvement. Demonstrates a professional demeanor.

Position Competencies

1. Attention to Detail: Follows detailed procedures; ensures accuracy in documentation and details; and all components/details. Remains focused during routine work; is organized and maintains a system of records.

2. Member Service Skills: Manages member accounts in a manner that ensures that member needs are understood and met. Provides timely and professional service to both internal and external members; is responsible to member needs and request; is always courteous to the member and considers the needs of the member when making decisions. a. Applies a 'member-centric' approach by using the Member Action Plan in order to uncover opportunities to improve our members’ financial lives by saving them money, making them money, or making their banking easier and more convenient. b. Utilizes and recommends available resource departments to members that best fit their needs, such as Business, Investment, or Mortgage Services. c. Effectively assists members and staff in solving accounts related issues by listening, collecting data, securing answers, and reporting results.

3. Role Mastery of Essential Duties: Able to perform essential duties as outlined in job description. Contributes productivity and value within role. Is willing to learn and improve performance.

• Process Credit Card control activities including the ordering of cards and file maintenance issues to ensure all service aspects of the credit union’s Credit Card portfolio are followed through.
• Monitor daily and monthly Credit Card reports for exceptions and take action to correct exceptions in a timely manner to ensure account maintenance request is completed accurately and efficiently.
• Authorize and process cash advances for balance transfers by depositing funds to a Community Choice Credit union account verifying Credit Card records to ensure available credit.
• Provide support and back up to team member of the Card Services – Credit Card area to ensure all duties and responsibilities of the department are completed in a timely and accurate manner.
• Assist in administering the Credit Card portfolio to ensure an accurate and current database system is maintained and to ensure the credit union is in adherence to compliance and regulation guidelines.
• Process Credit Card applications along with member notifications and adverse action letters as needed to ensure time frame for approvals meets or exceeds goal turnaround time.

Job Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirement listed below are representative of the knowledge, skill, and/or ability necessary for this position.

Remote Work Eligibility

This position is fully eligible for a Hybrid Work Arrangement

Reasonable Accommodations

The physical and mental demands are representative of those that must be met by an employee to successfully perform the essential functions of their job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job requirements, physical demands and do so within our work environment.

Education

High School Diploma - Required

Experience

6 months – 2 years – Related experience in a customer oriented field

Skills & Abilities

• Thorough knowledge of financial industry
• General knowledge of the Credit Union’s products and services
• Understanding of state and federal lending and member service regulations (Reg Z – Truth in Lending & Reg B – Equal Credit Opportunity)
• Excellent analytical, decision-making, and mathematical skills
• Excellent communication and public relations skills
• Ability to communicate with members (internal and external) by all methods of communication
• Well organized
• Ability to multi-task and demonstrate high level of flexibility
• Ability to work with minimal direct supervision
• Ability to maintain professional and effective work relationships with other team members
• Personal computer skills including Microsoft Office
• Ability to use a 10 key calculator with little visual reference.

Mental Demands

The team member must be able to read and interpret documents or instruments, understand and/or follow complex written and oral instructions, make decisions, recall multiple policies or procedures, resolve problems or unique circumstances in a timely and efficient manner, be able to express oneself clearly and/or concisely, perform mathematical functions, and handle multiple, concurrent tasks.

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 talk or hear. The employee is frequently required to sit and use hands to finger, handle, or feel. The employee is occasionally required to stand; walk; reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 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 moderate.

General Statement

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions.

Job Type: Full-time

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Paid time off
• Tuition reimbursement
• Vision insurance

Schedule:

• Monday to Friday

Education:

• High school or equivalent (Preferred)

Experience:

• Customer service: 2 years (Preferred)
• Financial industry: 2 years (Preferred)
• Lending: 2 years (Preferred)

Willingness to travel:

• 25% (Preferred)

Work Location: Hybrid remote in Farmington Hills, MI 48334