Credit Counselor Job Description Sample
Consumer Credit Counselor (13451)
Lutheran Social Service MN is a dynamic social service organization serving children, youth and families, people with disabilities, older adults and military veterans. Trustworthiness is a value and strength shared by our employees and recognized by the communities we serve. We offer an ALIVE Workplace (Supportive, Positive and Fun) and careers that challenge, energize and rewards employees. Consider joining us!
This position could range from 30-40 hours a week. Minimum of 30 hours.
As a Consumer Credit Counselor you will provide assessment and financial counseling services to individuals, couples and families seeking budget counseling, debt repayment, credit report review, and housing counseling, either by in-office, telephone, or internet modes of counseling. You will analyze client debts, creditors, and the ability to repay debt, identify problems and create an action plan for resolution. You will help clients to set up a budget/ financial goals and provide coaching and information about the various consequences and alternatives. You will provide assessment and referral for other issues (mental health counseling, attorneys and treatment) related to financial problems and advocate on behalf of the client. In this role you will also provide financial education through presentations and workshops to various community groups and participate in community networking and marketing with service providers, other social service organizations and the business community.
Bachelor's degree or significant equivalent in experience.
A minimum of two years of related work experience in human services, financial industry, credit or collections.
Strong computer skills including internet, Microsoft Office and database applications.
Time management, critical thinking and problem solving skills.
Strong interpersonal skills with clients, community and professional contacts.
Ability to listen, be empathetic and provide clear verbal and written communications to diverse populations.
Negotiation and conflict resolution skills when working with clients and creditors on debt repayment and budgeting issues.
Ability to deal with clients in financial crisis.
Knowledge of consumer credit trends and laws, National Foundation for Credit Counseling standards and state of Minnesota debt prorate and credit regulations when working with and recommending actions to clients.
Knowledge of financial industry complexity including banking, mortgage, sub-prime services and consumer lending.
Must complete Consumer Credit Counselor and Housing Counselor certifications through the National Foundation for Credit Counseling within two months after hire.
Lutheran Social Service of MN is an Equal Opportunity and Affirmative Action Employer of all people regardless of gender, race, culture, religion, ethnicity, protected veteran status and/or disability. We actively foster an environment that is free of racism, discrimination, bias, and harassment where all individuals are treated with dignity, safety and respect.
Additional Posting Information:
This position could range from 30-40 hours a week. Minimum of 30 hours.
LSS employees have deeply meaningful work that changes lives, the opportunity for their unique gifts to shine and grow, and abundant and balanced lives.
Early Stage Credit Counselor I
Location: Millsboro, DE
5pm, 1 late night per week 12pm
9pm and up to 2 Saturdays per month 8am
Responsible for working with customers up to 30 days delinquent to arrange for payment alternatives to resolve past due situations, thereby reducing bank risk and maintaining relationships. Must adhere to the requirements of federal registration under the SAFE Act
Incumbent may perform any or all of the following in front-end collection functions:
Initiate contact with consumer borrowers via AutoDial handling the early stage of accounts, assessing the prospect of repayment, and arranging repayment schedules or other solutions such as: Loan Workout, Alternative Lending, CCCS, Reages, or Extensions.
Handle inbound calls from various internal departments as well as customers. Respond to questions regarding all Consumer products that are under 45 days delinquent.
Identify suspect situations (i.e. fraud, lack of insurance) and escalate issues to management.
Utilize internal collections systems and accounting systems for all loan types. Identify and resolve problematic account situations where appropriate referring more complex problems to the Supervisor and understand the workflow necessary for account maintenance/corrections.
Refers possible repossessions to Supervisor for review and approval.
Compiles information and analyzes the account files for repossession recommendation.
Perform additional duties as requested by management.
Works under direct supervision.
Results/actions have the ability to impact the individual.
Has regular contact with Bank customers.
Minimum Qualifications Required:
High School diploma or GED.
Minimum one year customer service experience.
Typing or keyboard proficient.
Ability to communicate effectively and professionally over the phone.
Good customer service skills.
Ideal Qualifications Preferred:
Previous collection work experience.
Knowledge of State and Federal regulations and Bank policy for all states that the Bank conducts business in.
Bilingual in English and Spanish
At M&T, we strive to be the best place our employees ever work, the best bank our customers ever do business with and the best investment our shareholders ever make. So when looking to advance your career, look to M&T.
As a top 20 US bank holding company and one of the best performing regional banks in the country, we offer a wide range of performance based career development opportunities for talented professionals. And through our longstanding tradition of careful, conservative and consistent management and a strong commitment to the communities we serve, we continue to grow with a focus on the future.
Wintrust Credit Academy Rotational Credit Analyst Program - Class Of 2018
Wintrust Financial Corporation's rotational credit analyst training program, Wintrust Credit Academy, offers the opportunity to build a career in commercial banking. Over the course of the 2 year rotational training program, individuals will gain exposure to a variety of functions in the commercial banking field through classroom training and rotational job assignments.
Through in-classroom training, analysts will learn about the organization, our products and services, clients, and business practices. During this portion of the program, individuals will be introduced to the fundamentals of credit analysis, our underwriting framework, and various other subjects including loan documentation, risk assessment and concise financial writing.
Credit Analysts are responsible for financial analysis and risk assessment of potential borrowers, preparation of credit memoranda to be presented to senior management, and monitoring credit risk within various loan portfolios. The rotational component of the program includes rotations in areas such as Commercial and Industrial Lending, Commercial Real Estate, Wealth Services, Asset Based Lending, and various other lending teams.
After successful completion of the program, highly motivated analysts will have the opportunity to move into a professional role in Commercial Banking or Credit at one of the many Wintrust locations. Wintrust Academy provides a solid foundation for developing a successful career as a Commercial Banker.
You will work alongside relationship managers, business development managers, portfolio managers, and others in your office to develop a deep understanding of the operating performance and potential borrowing needs of prospective clients. You also will assist relationship managers with ongoing support of existing clients. Your responsibilities may include:
Analyzing a company's financial, operational, and management strengths and weaknesses to minimize capital, balance sheet, and reputation risk
Representing Wintrust in developing and maintaining relationships with clients
Actively collaborating with senior relationship managers on underwriting simple and complex transactions for a wide range of companies and individuals
Underwriting transactions related to traditional commercial lending, wealth management, treasury management, and other credit-related products
Preparing company annual financial reviews and underwriting memos focusing on a company's leverage, key risk factors, sources of repayment, cash flow, and ability to service debt
Reviewing and assisting in negotiating loan agreements and ancillary documents related to a transaction closing
Understanding client needs and identifying potential cross-sell opportunities for other Wintrust products and services
Bachelor's Degree Required (Business, Finance, Economics or Accounting preferred)
Outstanding academic credentials
Superior analytical, quantitative, leadership, interpersonal, and written/verbal communication skills
Excellent computer skills
Internship in banking or related field preferred
Active involvement and leadership in extracurricular activities. Previous volunteerism or community service a significant plus
Travel between Wintrust locations will be necessary. Candidates will be expected to provide his/her own transportation for training and for each rotation.
Interested candidates who will complete their bachelors degree in 2018 may submit their application for positions that will begin in July of 2018.
- Applications Accepted
- Phone interviews and in person interviews with Senior Management
- Offers are made for positions beginning in July of 2018
Credit & Collection Inter Supr
Clicking "Apply Now" opens the link in a new window.Job Summary
The Patient Financial Experience Supervisor is responsible for overseeing Patient Financial Counselors in the call center, hospital and other areas within Patient Business Services. This position will supervise, monitor and improve day-to-day activities of the department. Supervisor must be a champion for improving Patient Satisfaction and a leader and driver in Patient Financial Advocacy
Supervise the activities and day-to-day operations of the Patient Financial Experience call center, patient portal/correspondence and walk-in patient work
Measure team and individual performance using key value metrics
Prepare various daily, weekly, monthly and annual performance reports
Monitor Aspect Real Time to ensure service level expectations are met and keep agents/staff aware of incoming call wait times, abandonment rates, etc.
Monitor patient portal/correspondence activities to ensure all turnaround times are met
Assist management with meeting performance goals and creating detailed plans to positively impact team performance
Evaluate individual staff performance by utilizing performance scorecards to track staff productivity and quality
Assist management in the development and maintenance of a departmental quality review audit
Review and evaluate recorded calls and correspondence work to ensure quality standards are met
Conduct regular 1 on 1 performance coaching sessions with each staff member
Participate in disciplinary meetings and creating performance improvement plans for staff who are not meeting performance standards
Intercede on escalated incoming telephone calls with customers and/or calls requiring in-depth knowledge of the organization's services
Facilitate supervisor calls by deescalating concerns and resolving patient and customer concerns
Interview, select and train employees
Attend meetings as needed or requested by management
Develop, recommend, and coordinate the implementation of new procedures through a Lean in Daily Work structure
Recommend and implement corrective services to alleviate customer complaints
Communicate, implement and interpret customer service policies and procedures
Approve requests for time off
Create and maintain staffing schedules
Ensure proper staff coverage on all shifts. May be required to supervise during off shifts
Approves or disapproves the extensions of payment plans, refunds, adjustments, discounts, payment voids, etc.
Review changes to patient accounts for accuracy ensuring any Compliance requests are handled efficiently and expeditiously
Conduct quality review of cash drawer audits
Evaluate and coordinate processes/activities to achieve expected volume
Assist management with oversight of early out vendor
Manage monthly statements and statement cycles
Other duties as assigned
Demonstrate and communicate vision of patient financial advocacy to staff, supervisor and others who impact the patient financial experience.
Develop department goals, initiatives, Key Performance Indicators, management reports and scorecards that align with the ideal patient financial experience.
Perform other related duties as assigned.
Bachelor's degree or equivalent years' experience
Three to five years' business office/healthcare experience is necessary.
Good presentation skills
Knowledge of University policies and procedures is desirable.
Afternoon shifts are required
Occasional weekend shifts are required
Ability to understand and resolve complex patient billing issues
Knowledge of billing systems
Knowledge of medical terminology and coding including CPT, ICD-9/10
Michigan Medicine conducts background screening and pre-employment drug testing on job candidates upon acceptance of a contingent job offer and may use a third party administrator to conduct background screenings. Background screenings are performed in compliance with the Fair Credit Report Act.
Michigan Medicine improves the health of patients, populations and communities through excellence in education, patient care, community service, research and technology development, and through leadership activities in Michigan, nationally and internationally. Our mission is guided by our Strategic Principles and has three critical components; patient care, education and research that together enhance our contribution to society.
Job openings are posted for a minimum of seven calendar days. This job may be removed from posting boards and filled anytime after the minimum posting period has ended.
U-M EEO/AA Statement
The University of Michigan is an equal opportunity/affirmative action employer.
Job Opening ID 155126
Working Title Credit & Collection Inter Supr
Job Title Credit & Collection Inter Supr
Work Location Michigan Medicine - Health Sys
Ann Arbor, MI
Full/Part Time Full-Time
FLSA Status Exempt
Organizational Group Exec Vp Med Affairs
Department UMHS Rev Cycle (PTO)
Posting Begin/End Date 3/14/2018 – 3/28/2018
Paid Time Off Yes
Career Interest Finance
VP, Credit Model Development - Paypal Credit (L12)
In this role, you will manage model risk for all models in the Credit organization (includes acquisition, account management, loss forecasting and stress testing models) and report directly into to the VP, Credit Model Leader. The successful candidate will be responsible for managing key aspects of model governance framework, including monitoring, reporting, validation, development, and implementation.
Lead a team of model experts in the model monitoring process across the Credit organization, including root cause drivers of any material shifts in model performance; documenting change logs
Manage with legal/compliance, model validation & development, business user and other governance teams the review, testing and approval before implementation
Assist the model sponsor in providing documentation and responses related to model risk management for internal/ external reviews
Identify and coordinate activities requiring modelling support including new model build process; review and signoff on requirements
Manage model Inventory reporting; drive model simplification in business
Manage audit and validation requests, and develop remediation plan for timely resolution on any issues uncovered through those requests
Assess appropriateness of model inputs, calibration quality and reliance on model outputs with support from modeling team
Ensure models are implemented working with cross functional team, and documented per Synchrony policy standards
Responsible for leading, coaching, and developing junior team members
Perform other duties and/or special projects as assigned
- Master's degree in a quantitative discipline and 8+ years of experience in consumer credit risk modeling or; in lieu of a Master's degree, a Bachelor's degree in quantitative discipline and 10+ years of experience in consumer credit risk modeling
- 4+ years of progressive experience in model review or validation
- 4+ years of leading a team
- 1+ years hands on programming skills (SAS/SQL/R/Python etc.)
- 4+ years working with large data sets
Deep familiarity with model risk management under SR 11-7 model governance requirements
Extensive experience with Compliance/ legal in interpreting and implementing quantitative regulatory requirements within business settings
Excellent writing, communication and inter personal skills
Proficient in usage of SAS, Model builder or related modelling tools
Experience in developing consumer credit risk models
Direct exposure with delivering on data requests for auditors/examiners
Proven ability to lead a team of managers/ analysts
Strong leadership skills to drive change and results
Master's degree in Statistics or related field is preferred
You must be 18 years or older
You must have a high school diploma or equivalent
You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the selection process
You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act.
Effective 1-1-18, new hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months' time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 24 months' time in position before they can post. All internal employees must have at least a "consistently meets expectations" performance rating and have approval from your manager to post (or the approval of your manager and HR if you don't meet the time in position or performance requirement).
Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.
Reasonable Accommodation Notice:
Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment.
If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time.
Job Family Group:
Commercial Credit Analyst - Credit Analysis
Support the Bank's credit and commercial lending functions by actively underwriting commercial requests, modifications, and conducting line of credit and annual portfolio reviews while working with a team of lending and administrative staff to achieve the goals established for the Department and the Bank.
Consideration for location will either be in the Upper Ohio Valley, North Central WV, Central Ohio, or Western Pennsylvania Market.
CUSTOMER SERVICE SKILLS:
Willingness to provide a level of service which will clearly differentiate us from our competitors.
Professional demeanor in appearance, interpersonal relations, work ethic and attitude.
Possess clear, concise, effective written and oral communication skills to effectively express thoughts, ideas and concepts to bank employees and bank customers.
Capable of handling research and special projects, including coordinating with other departments.
Detail-oriented and self-motivated to complete required tasks in an efficient and timely manner.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Ability to interpret financial statements, perform cash flow and personal financial statement analysis.
Complete credit underwriting for annual relationship reviews, line of credit renewals and loan modifications.
Perform testing of commercial loan covenants.
Develop initial underwriting and assess credit worthiness and financial strength of a commercial loan applicant.
Develop knowledge of lending standards, banking laws and regulations, and bank credit policies and procedures.
Determine the need for additional information, and work with the Banker to obtain information necessary to formulate a credit decision.
Ability to present facts concerning the credit worthiness of commercial loan applicants, loan structure, and other relevant matters to management.
Banking is a highly regulated industry and you will be expected to acquire and maintain a proficiency in the bank's policies and procedures, and adhere to all laws, rules and regulations that are applicable to your conduct and the work you will be performing. You will also be expected to complete all assigned compliance training in a timely manner.
Strategic Credit Analyst - National Credit Center
The GM Strategic Credit Analyst is responsible for researching and analyzing credit applications, assessing credit history for acceptable risk and then approving or denying extension of credit to potential customers. This team member has contact with other company departments, as well as automobile dealers and other finance and credit sources. The team member will be responsible for overseeing the credit relationship to an assigned set of dealers. This team member will provide quality customer service by satisfying the credit needs of the dealer. This role is a field based position in one of our 15 Regional Credit Centers. This will require the team member to relocate to a permanent center within the U.S. after successful completion of the credit training program and based on business needs. This role requires relocation to Chandler, AZ upon hire to attend training prior to final relocation.
Analyze credit data to determine the degree of risk involved in extending credit.
Make decisions to approve or deny the extension of credit within set credit authority established by senior management and state/federal laws.
Develop strong dealer relationships that ensure volume objectives and credit quality.
Increase GMF Market Share with assigned dealers.
Capture automotive finance contracts that meet GM Financial profitability criteria for pricing and performance.
Ensure compliance with applicable policies and procedures.
Ensure credit center office cooperation with other departments, to maximize efficiency within the company.
Achieve required credit quality and productivity by ensuring all queues are worked to acceptable service levels
Perform outbound telemarketing calls to assigned dealer personnel.
Reports to: Strategic Credit Manager
Direct Reports: None
Knowledge of consumer credit and indirect auto financing
Knowledge of credit laws and regulations
Knowledge of dealership operations and indirect auto finance
Able to meet deadlines and establish objectives
Working knowledge of Salesforce.com
Ability to independently evaluate and make consistent, quality credit decisions that produce acceptable ratios and returns for the company.
Excellent oral and written communication skills.
Strong analytical skills required. Strong work ethic.
Superior customer relations skills.
Must be proficient in computer software such as, Excel, Word and PowerPoint.
Must have successfully completed the Credit Services Certification.
1-2 years in consumer finance industry, underwriting or auto finance preferred.
1-2 years sales experience preferred.
Bachelor's degree with emphasis on marketing business preferred. Equivalent experience can be substituted for degree.
Credit Recovery Tech Coordinator
NORTHFIELD HIGH SCHOOL
200 work days
Starting Salary: $17.84 per hour
School Year: 2017-18
Essential Functions and Objectives:
- The Credit Recovery Tech Coordinator coordinates all scheduling, technology, course creation and reporting of data for the APEX virtual classroom. This role will serve as the instructional support and advisory to students and will maintain files and communication with the students and counselor on the graduation plan. Duties may also include computer setup and troubleshooting.
Previous experience working with and troubleshooting technology.
Current Colorado Teaching or Counselor certification preferred.
Strong interpersonal, written and oral communication skills.
Must be able to understand transcripts and complete related administrative duties.
High School Diploma is required.
Bachelor's Degree is preferred.
About Denver Public Schools:
Denver Public Schools is committed to meeting the educational needs of every student with great schools in every neighborhood. Our goal is to provide every child in Denver with rigorous, enriching educational opportunities from preschool through high school graduation. DPS is comprised of nearly 200 schools including traditional, magnet, charter and alternative pathways schools, with an enrollment of more than 90,000 students.
Under the leadership of Superintendent Tom Boasberg and guided by the tenets of The Denver Plan, DPS has become the fastest-growing school district in the country in terms of enrollment and the fastest-growing large school district in the statein terms of student academic growth. Learn more at dpsk12.org.
Denver Public Schools is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, national origin, sex, sexual orientation, age, disability, or any other status protected by law or regulation. It is our intention that all qualified applicants be given equal opportunity and that selection decisions be based on job-related factors.
Credit Counselor/Inside Sales Representative
It is our passion at DebtWave Credit Counseling, Inc to provide consumers with the best education and most appropriate programs to manage their debt. We know how difficult it is to reduce debt, so we want to make it simple by offering services that are both informative and practical. Since 2001, DebtWave has been helping consumers pay off their credit card debt through financial education, budgeting, and its debt management program. We are considered one of the top ten credit counseling agencies in the nation based on quality of customer service, volume of clients and overall size of company.
Our success comes from our top notch employees that bring with them motivation, a desire to help people, and high professional standards. We are looking for team players, fast learners, those with a positive attitude, and those that are resourceful and adaptable. Come be a part of our team!
DebtWave Credit Counseling, Inc is a 501(c)3 nonprofit organization. We have an A+ rating by the BBB, great client reviews on Google, Yelp and other prominent websites, and we have also partnered with local schools and military support organizations to provide financial literacy education.
As a Credit Counselor, you will be conducting multiple credit counseling sessions over the phone daily. Sessions consist of reviewing clients' credit report, expenses, income and assets and providing resources and solutions to help them become debt free. A typical day would consist of making outbound and answering inbound phone calls, replying to emails and online requests. We provide warm leads, no cold calling.
We are looking for polished and articulate individuals who we can train to become Certified Personal Financial Counselors (CPFC). Our goal is to help individuals and families to get out of debt with the least possible cost through conducting financial consultations, educating the consumer and recommending the appropriate solutions. Successful Debt Counselors have a drive to succeed and achieve goals, are optimistic and can build rapport quickly with clients.
We offer an extensive full-time paid training program, scripts, technology and tools to help you succeed. Full time only. Mon Fri.
What You Will Do:
Take inbound and make outbound calls daily from warm leads
Reply to emails and online requests as needed
Conduct credit counseling sessions; reviewing debt, budget analysis, and presenting solutions
Reviewing debt: Review loan and credit card debt with the customer
Budget analysis: Involves asking the customer very specific budget questions in order to run the analysis
Presenting solutions: Based on the debt and budget analysis, you will present the customer with multiple solutions and educate them on each one
One of the solutions is our Debt Management Program that provides clients a safe and practical way to pay back their credit card debt
What to Bring:
High School Diploma required; Bachelors degree preferred
1-2 years Inside Sales/Call Center experience.
Excellent rapport building skills. Must be patient and consistent with the customers
Must enjoy working in call center environment.
High level of computer skills; typing, ability to learn new software, using multiple programs at once
A stellar work ethic including a record of punctuality and good attendance.
Ability to motivate, influence and help change consumers spending habits.
Highly resourceful and adaptable to changing needs of the business.
$15-20/hr based on education and experience
Opportunity for monthly bonus
Competivtive benefits package and matching 401k
ALL CANDIDATES will be subject to a background check which may include criminal history, employment verification, and reference check. Due to regulations in our industry, we will not consider any candidates with felony/misdemeanor convictions related to theft, forgery, fraud, bribery, etc. due to the nature of the job. Please do not apply if you have a felony/misdemeanor conviction as listed above.
For more information about Debtwave visit http://www.debtwave.org/
Credit Analyst - Trade Credit Underwriter
Great American Insurance Group's roots go back to 1872 with the founding of its flagship company, Great American Insurance Company. Based in Cincinnati, Ohio, the operations of Great American Insurance Group are engaged primarily in property and casualty insurance, focusing on specialty commercial products for businesses, and in the sale of annuities and supplemental insurance products. The members of the Great American Insurance Group are subsidiaries of American Financial Group, Inc. (AFG), also based in Cincinnati, Ohio. AFG's common stock is listed and traded on the New York Stock Exchange ("NYSE") and Nasdaq under the symbol ("AFG").
Great American's trade credit insurance division, FCIA Management Co. Inc., markets, underwrites and services trade credit and political risk insurance. Credit insurance protects against domestic and international nonpayment risk on business-to-business transactions caused by financial, economic or political uncertainties. Credit insurance is also a useful tool for corporate clients to manage financial performance, increase sales and optimize balance sheet efficiency, and facilitate the financing of receivables. We offer our policies through brokers and independent agents.
FCIA is seeking to fill a Senior Underwriter/Financial Analyst position with the following responsibilities and qualifications:
FCIA is seeking to fill an Underwriter position with the following responsibilities and qualifications:
Research and analyze international and domestic credit risks, formulate underwriting recommendations, and communicate underwriting results in verbal and written form to Supervisor, Senior Management, brokers and/or clients.
Organize workflow to accomplish timely response to requests.
Perform financial statement analysis to formulate credit decision, document the decision reached via written memorandum and communicate decision reached to others in a timely manner.
Handle and prepare quotes for new business submissions and renewals of existing business.
Develop and maintain excellent relationships with brokers and insureds while providing a high level of customer service.
Qualified candidates must have a Bachelor's Degree in Finance, Accounting, Economics or a related field.
Minimum 3-5 years of relevant experience in banking, credit or finance required.
Must have strong analytical, organizational and communication skills.
Negotiation and relationship management skills are required.
Some travel required.
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