Processor I, Credit Card Credit Operations

Join our team - and take the next step in achieving a fulfilling career!

What We Do

At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.

Who We Are

CardWorks, Inc. is a diversified consumer finance service provider and parent company of CardWorks Servicing, LLC, Merrick Bank and Carson Smithfield, LLC.

CardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans.  We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees.

Merrick Bank is an FDIC-insured Utah Industrial Loan Bank. Merrick operates three main business lines: credit cards, recreational lending, and merchant services.

Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.

Job Description

Essential Functions:

• Processes credit applications using the application processing system and applicable procedures.
• Maintains a thorough knowledge of product and program credit policies and department procedures that execute policies.
• Maintains a thorough knowledge of both State and Federal banking regulations.
• Identifies areas of opportunity within department processes and offers ideas and suggestions for improvement.
• Coordinates with Team Leader, completes work and projects within assigned schedule and timeline.
• Performs inbound and outbound calls from/to current and potential customers as assigned.
• Assists the unit Team Leader as directed.
• Compliance with Laws & Regulations:
• Responsible for complying with all of the Bank’s internal control policies and procedures.
• Responsible for understanding and complying with all laws and regulations to which the Bank is subject.
• Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.
  
  

Education And Experience

• High school diploma or equivalent is required.
• Two (2) years’ work experience in a credit-related position is preferred.
  
  

Summary Of Qualifications

• Proven ability to work effectively in a production environment.
• Effective planning, organizational, time management and problem-solving skills.
• Able to communicate effectively and professionally with external customers via telephone and written communications.
• Proven ability to work effectively under pressure. Skill at handling a variety of assignments simultaneously. Flexibility and willingness to work at a rapid pace in strict time frames.
• Keyboard and Windows-based applications (Microsoft Office) experience preferred.
  
  

Work Environment/Physical Demands: Light

The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

This is largely a sedentary role; however, some filing is required. This would require the ability to lift files, open filing cabinets and bend or stand on a stool as necessary.

Security Responsibilities - General

This classification requires heightened security awareness to safeguard the Bank's data, including customer non-public personal information. This security level means that the job includes exposure to all categories of Bank data, including customer non-public personal information.

General Disclosure

The above statements reflect the general information considered necessary to describe the principal functions of the job and should not be considered as a detailed description of all work requirements that may be inherent to the position. In addition, the incumbent may be called upon to personally handle projects or assignments not usually related to the position’s day-to-day activities. Understand and comply with laws and regulations that are applicable to my job function. Understand and comply with company policies and procedures that are applicable to my job function.

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Our Employee Value Proposition

• Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
• Benefits Package -Medical, Dental, and Vision (plus much more)
• 401(k) Plan with Company Match
• Short- & Long-Term Disability
• Wellness Programs
• Group Life and AD&D Insurance
• Paid Vacation, Sick Days and bank Holidays
• Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition
  
  

We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite.  Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.

We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic.  We will conduct a thorough background check for all hires in compliance with applicable.