Credit Card Fraud Analyst monitors suspicious transaction activities and resolves fraudulent activities. Contacts merchant and cardholders to verify charges and prevent loss. Being a Credit Card Fraud Analyst requires a high school diploma or equivalent. Typically reports to a supervisor or manager. The Credit Card Fraud Analyst works under moderate supervision. Gaining or has attained full proficiency in a specific area of discipline. To be a Credit Card Fraud Analyst typically requires 1-3 years of related experience. (Copyright 2024 Salary.com)
Credit Analyst
Job Classification: Full-Time, Non-Exempt
Reports to: Asst Credit Risk Officer
Position Summary
The Credit Analyst must demonstrate and promote integrity, ethics, and professionalism in all core competencies (such as audits, risk management, accuracy, and documentation) within the bank. Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals and supports credit lending decisions by analyzing customer's financial condition and ability to pay.
Principal Duties and Responsibilities
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
1. Underwrites and recommends disposition of credit requests of the Bank in specific written form and in compliance with Bank policies after reviewing and evaluating all available sources of financial, credit and collateral information.
2. Complies with Federal, State, and local legal requirements by studying existing and new laws; enforcing adherence to requirements; and advising management on needed actions.
3. Maintains and secures client credit files both electronically and on paper.
4. Manages and reports application status for loans and managing the denied and withdrawn loan process for the Bank.
5. Reviews financial and collateral data on existing borrowing relationships, analyzing risk factors for annual portfolio reviews.
6. Maintains customer confidence and protects operations by keeping information confidential.
7. Contacts banks, trade and credit associations, salespeople, and others to obtain credit information.
8. Studies economic trends in firm's industry or branch of industry to predict probable success of new customer.
9. Visits establishments to determine condition of plant and equipment and compare methods of operation with accepted practices in industry.
10. Evaluates results of investigations, prepares reports of findings, and suggests credit limitations to management.
11. Maintains database of customer credit histories. Consults with management to assist in corporate planning.
12. Interfaces with Loan Officers professionally and effectively without delay.
13. Promote business for the bank by maintaining good customer relations (internal and external) and referring customers to the appropriate staff for new services.
14. Performs other related duties as necessary or assigned.
15. Complies with federal and state regulations and all established bank policies and procedures.
Other Responsibilities
Education and Experience Requirements
Job Type: Full-time
Benefits:
Schedule:
Supplemental pay types:
Education:
Work Location: In person
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