Credit Analyst (Discover Card)

Description Location: West Valley City (UT)

Functional Area: Risk Management

Min Pay Rate:: 0.00

Max Pay Rate: 0.00

Pay Type: Hour

Resource Type: Full Time

Job Description:
Operations Portfolio Review (Judgmental)
1. Performs judgmental reviews on portfolio accounts to determine credit worthiness
2. Determines if Adverse Action (credit line reduction, suspension, revoke) should be taken on account
3. Effectively communicates Adverse Action decision to cardmember
4. Re-Evaluates Adverse Action decisions made by system or analyst
5. Makes decisions to reinstate previously closed or revoked accounts and communicates decision to cardmember
6. Processes applications for Account Assumption and communicates decision to applicant
7. Handles inbound calls from cardmembers
8. Ability to communicate difficult message while maintaining cardmember engagement

Skills Required:
1. Excellent analytical abilities
2. Strong communication skills, ability to demonstrate empathy while maintaining objectivity
3. Detail-oriented
4. Strong work eithic
5. Excellent organizational skills
6. Adaptable to changing environment

Skills Desired:
1. Associates Degree, pursuing Bachelors preferred, or equivalent work experience in judgmental lending environment (ie: auto loan, credit union)
2. Ability to recognize opportunity for improvement and recommend solutions
3. Desire to promote within

Requirements .