Chino - Part Time Credit Representative

POSITION SUMMARY:
Interviews customers applying for credit and assists them in all matters pertaining to their charge accounts.
ESSENTIAL FUNCTIONS:

• 
  Assists customers in filling out application.
• Photocopies pertinent documents to archive applicant’s likeliness and signature. Ascertains document’s validity as well as expiration dates.
• Reviews applications received by mail and entered them into the system.
• Confers with customers to explain to them the available charge plans: their features, benefits, responsibilities, and limitations.
• Files applications in numerical order and ensures next day delivery to credit central office.
• Checks reference by form or letter and notify customer of application status.
• Verifies entries and corrects errors on customer files.
• Issues temporary credit slip when credit is approved.
• Files out forms for: co-signer, change of terms, revolving insurance, according to established policies, instructions and procedures.
• Are actively involved in telemarketing, sales promotions, and achieving the credit department’s goals.
• Ability to interpret all tangible and intangibles credit variables to assess risk of credit extension.
• Confers with credit approvers on intangible risk analysis.

POSITION QUALIFICATIONS
To perform this job successfully, and individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individual with disabilities to perform the essential functions.
SKILLS & ABILITIES

• 
  Must be able to read/write and speak fluently in Spanish.
• Ability to read and comprehend simple instructions, short correspondence in written or oral form.
• Ability to write simple correspondence.
• Ability to effectively present information to customers, clients, and other employees of the organization.
• Ability to add, subtracts, multiply, and divide in all units of measure, using whole number, common fractions, and decimals.
• Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
• Ability to apply common sense understanding to carry out instructions furnished in written, oral, diagram.
• Ability to recognize priorities and deal with difficulties and or problems arising from day to day business operations.

Education
High school diploma or general education degree (GED); and three months related experience and/or training; or equivalent combination of education and experience.
Experience
The candidate must have a minimum of six months experience working in a customer service setting.
Language Skills
Associate must have the ability to speak and understand English and Spanish at a conversational level. Must be able to read and comprehend simple instructions, short correspondence, and memos. Must also be able to effectively present information in one-on-one and small group situations to customers, clients, and other associates of the organization.
Computer Skills
The candidate must have basic computer and typing skills and be able to use a computer keyboard.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those associate encounters while performing the essential functions. The noise level in the work environment is usually loud.
PHYSICAL DEMANDS
GENERAL
LIFT / CARRY
PUSH / PULL
Stand
C
Reach above shoulder
O
10 lbs or less
O
12 lbs or less
O
Walk
C
Climb
O
11 – 20 lbs
O
13 – 25 lbs
O
Sit
N
Crawl
N
21 – 51 lbs
O
26 – 40 lbs
O
Handling
O
Squat or kneel
O
51 – 100 lbs
O
40 – 100 lbs
O
Reach Outward
O
Bend
O
Over 100 lbs
N
N (not applicable) = Activity is not applicable to this occupation. O (Occasionally) = Occupation requires this activity up to 33% of the time (0 - 2.5+ hrs/day) F (Frequently) = Occupation requires this activity from 33% - 66% of the time (2.5 - 5.5+ hrs/day) C (Constantly) = Occupation requires this activity more than 66% of the time (5.5+ hrs/day)
Ethics and ValuesAdheres to an appropriate (for the setting) and effective set of core values and beliefs during both good and bad times; act in line with those values; rewards the right values and disapproves of others; practices what he/she preaches.
PerspectiveLooks toward the broadest possible view of an issue/ challenge; has broad-ranging personal and business interests and pursuits; can easily pose future scenarios; can think globally; can discuss multiple aspects and impacts of issues and project them into the future.
Drive for ResultsCan be counted on to exceed goals successfully; is constantly and consistently one of the top performers; very bottom-line oriented; steadfastly pushes self and others for results.
Priority SettingSpends his/her time and the time of others on what’s important; quickly zero in on the critical few and puts the trivial many aside; can quickly sense what will help or hinder accomplishing a goal; eliminates roadblocks; crates focus.
Action OrientedEnjoys working hard; is action oriented and full of energy for the things he/she sees as challenging; not fearful of acting with a minimum of planning; seizes more opportunities than others.
Customer Focus

Is dedicated to meeting the expectations and requirements of internal and external customers; gets first-hand customer information and uses it for improvements in products and services; acts with customers in mind; establishes and maintains effective relationships with customers and gains their trust and respect.