Credit Card Representative I

Job Description The Credit Card Representative is responsible for providing excellent customer service and maintaining strong professional relationships. He or she professionally responds to customer emails and telephone calls. The Credit Card Representative is responsible for day to day activities related to the Credit Card and Money Line Services. He or she courteously and promptly resolves Credit Card and Money Line questions and problems or refers them to appropriate personnel. The Credit Card Representative establishes and performs set-up for new accounts. He or she ensures that the Credit Card and Money Line operations are completed in accordance with established bank procedures. Qualifications Must be at least 18 years oldHigh school diploma or GED requiredKnowledge of Microsoft Office software products and a strong ability to use and navigate the Internet is requiredPrevious banking experience preferredAbility to maintain confidentiality in all situationsStrong customer service skillsAccurate and attentive to detailWell organized with good typing skillsStrong proofreading skillsWilling and able to help othersExcellent verbal and written communication skills as well as professional telephone etiquetteAble to get along well with coworkers Responsibilities Assumes responsibility for processing functions for credit CardsOrders credit cards and performs account maintenance and inputAnswers questions for customers, branch personnel and management regarding credit cards, i.e. balance and payment information, pin resets, etcAccepts and processes credit card payments submitted by customers via mail or phone. Processes credit card payments received and submitted via branch transactionsEnsures that all credit card functions are compliant with bank policy and procedures and state and federal regulationsReceives delinquency reports from the computer system and verifies the status of the accounts. Keeps accurate and up-to-date activity reports and research accounts that appear on late and potentially late records to ensure that D.L. Evans Bank errors are detected promptly. Provide account holders the opportunity to fully explain their account statusFollows up on delinquent credit card accounts by telephone, personal contact, and correspondence to secure a satisfactory resolution to the repayment problem. Makes suggestions in order to arrive at suitable payment arrangements. Documents all collection actions taken, including telephone conversations, alternative financial arrangements, and correspondence on computerUtilizes effective human relations skills and various forms of persuasion to present a positive company image in an already negative situation (delinquency). Calms irate clients and answers questions and complaints relevant to Department functionsActively seeks to minimize loan losses by monitoring past-due credit card accountsRefers accounts to Special Assets Department for bankruptcy actions, deceased borrower handling, and workout plans or discussing possible financial arrangementsAssumes responsibility for processing functions for Consumer and Business Money LinesComplete daily maintenance consisting of new or changes to Consumer and Business Money LinesAnswers questions from customers, branch personnel and management regarding money lines, i.e. balance and payment information, etc.Keeps management informed of area activities and any significant problems or concernsHelps other area personnel as requiredMaintains the professional reputation of D.L. Evans BankPromotes D.L. Evans Bank at all timesServes as a representative for D.L. Evans Bank in the communityKeeps work area clean, secure, and well-maintainedCompletes special projects as assignedAttends and participates in meetings as required Company Description D.L. Evans Bank is a community bank and has been since 1904. For many years, we have provided premier banking services to the residents of Southern Idaho and Northern Utah while fostering a working environment for our employees dedicated to teamwork and excellent customer service. If you are a dynamic and customer-driven individual, whether an experienced banker or just beginning your career, we encourage you to continue with this applicant friendly, online job application! D.L. Evans Bank is an Equal Opportunity Employer – veterans/individuals with disabilities. VEVRAA Federal Contractor. EOE/AA/Vets/IWD. Benefits Medical InsuranceDental InsuranceVision InsuranceFSA401(k)Employee Stock Ownership PlanPaid VacationSick TimeLife InsuranceLong-term Disability Insurance