Discover Financial Services
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Discover Financial Services (NYSE: DFS) is a leading credit card issuer and electronic payment services company with one of the most recognized brands in U.S. financial services. The company operates the Discover Card, America's cash rewards pioneer. Since its inception in 1986, the company has become one of the largest card issuers in the United States. Its payments businesses consist of the Discover Network, with millions of merchant and cash access locations; PULSE, one of the nation's leading ATM/debit networks; and Diners Club International, a global payments network with acceptance in 185 countries and territories. Since Discover Card's launch in 1986, DFS has continuously been a leading innovator and driver of change in the credit card industry. From the outset, DFS has worked to expand Discover Network, a network that connects to millions of merchant and cash access locations, as well as markets and supports a full range of credit, debit, and prepaid cards, including the Discover Card.
The company's track record of pioneering accomplishments includes the introduction of cash rewards, known as "Cashback Bonus" - America's #1 Cash Rewards program, according to TNS 2007 Consumer Card Strategies Research data that shows more U.S. households have a Discover Card than any other cash rewards card. Discover Card was one of the earliest to offer 24/7 customer service and secure account numbers for online purchases. |
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| Job Overview |
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| Company: |
Discover Financial Services, Inc |
| Location: |
 US-UT-West Valley City
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| Base Pay: |
N/A |
| Employee Type: |
Full-Time |
| Industry: |
Banking - Financial Services |
| Manages Others: |
Not Specified |
| Job Type: |
Banking |
| Req'd Education: |
2 Year Degree |
| Req'd Experience: |
Not Specified |
| Req'd Travel: |
None |
| Relocation Covered: |
Not Specified |
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| Contact: |
Not Available |
| Phone: |
Not Available |
| Email: |
Send Email Now |
| Fax: |
Not Available |
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| Ref ID: |
PCK531-28909 |
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Job 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
Job Requirements
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