Credit Clerk jobs in Visalia, CA
Credit Clerk evaluates and suggests creditworthiness of prospects and customers to decrease financial risk to the organization. Checks credit applications and grants approval within established guidelines for organizations or individuals. Being a Credit Clerk communicates with the customers and other departments to solve the credit problems. May negotiate terms of payment to assist with collection of overdue balances. Additionally, Credit Clerk requires a high school diploma or its equivalent. Typically reports to a supervisor or manager. The Credit Clerk possesses a moderate understanding of general aspects of the job. Works under the close direction of senior personnel in the functional area. May require 0-1 year of general work experience. (Copyright 2024 Salary.com)
Recently Added Credit Clerk jobs
Credit Analyst
- Access Plus Capital
-
Fresno, CA
FULL_TIME
-
SUPERVISORY RESPONSIBILITIES
None
SUMMARY
Under close supervision of the Senior Manager of Credit, the Credit Analyst is responsible for gathering required loan documents and analyzing credit information on borrower’s loan request to determine the viability before submitting to underwriting. Responsibilities include, but is not limited to pulling and reviewing credit and determining cash flow as it pertains to the credit policy. The Credit Analyst works closely with the Business Development team to field questions based on pre-credit analysis and/or underwriting needed to render a credit decision.
Access Plus Capital is a US Treasury-certified community development financial institution and Small Business Administration (SBA) Approved Microloan Intermediary Lender. It offers financing and training services to small businesses and entrepreneurs in central California. Since its inception in 2009, it has lent over $50 million to over 900 entrepreneurs helping them realize their dreams by starting and growing their small businesses. For more information, go to http://accesspluscapital.com.
Assist in the fulfillment of the agency’s vision, “For Those We Serve,” by empowering individuals to thrive as healthy, self-sufficient and contributing members of our communities.
DUTIES AND RESPONSIBILITIES/ESSENTIAL FUNCTIONS
Collects and reviews loan packages submitted by the Business Development team to ensure all required documents meet the required document checklist by lending product.
Pulls and analyzes personal credit reports.
Conducts pre-credit analysis by spreading and analyzing business and personal financial statements and/or tax returns to determine the creditworthiness of the small business borrower.
Identifies recurring and non-recurring sources of cash flow and the guarantor’s ability to service debt.
Responsible for staying up to date on various Federal and State Guarantee programs.
Builds rapport with the Business Development team and makes requests for any additional documents needed to move forward with the underwriting process.
Follows up with the client on missing documents.
Assist with the loan process to obtain any closing documents as needed.
Performs other duties as assigned.
QUALIFICATIONS
To execute this job successfully, an 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 individuals with disabilities to perform the essential functions.
EDUCATION:
Bachelor’s degree in Business Administration, Finance, Accounting, Economics, or related field preferred.
EXPERIENCE:
Minimum of one (1) year of experience as a commercial credit analyst at a bank, economic development organization or a Community Development Financial Institution (CDFI) required.
OTHER QUALIFICATIONS:
Knowledge and the ability to understand various business and personal schedules related to tax returns.
Proficient in cash flow analysis and EBIDTA.
Proficient in Microsoft Office Suite (Excel, Word) and Adobe Acrobat.
Effective presentation, written and verbal communication skills.
Willing to work non-traditional hours and days to meet the needs of this position.
Detail oriented.
Displays problem-solving skills.
Demonstrated commitment to the work of community development and making a positive impact in the urban and rural business communities.
Experience with Sales Force, Portfol and Laser Pro documentation software preferred.
Proven ability to handle confidential information with discretion, be adaptable to various competing demands, and demonstrate the highest level of customer/client service and response.
Prior to employment must pass a criminal background investigation and credit history check. Must maintain criminal clearance and acceptable credit history during employment.
Maintain a valid California driver’s license, reliable transportation, adequate auto insurance as required by State law, and insurability by agency carrier for those driving agency vehicles.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; and talk or hear. The employee frequently is required to stand, walk, and reach with hands and arms. The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee must regularly lift and/or move up to 10 pounds, frequently lift and/or move up to 25 pounds, and occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is occasionally exposed to outside weather conditions. The noise level in the work environment is usually moderate.
Note: The statements herein are intended to describe the general nature and level of work being performed, but are not to be seen as a complete list of responsibilities, duties, and skills required. Also, they do not establish a contract for employment and are subject to change at the discretion of Access Plus Capital. - 10 Days Ago
Credit Analyst
- FFB Bank
-
Fresno, CA
FULL_TIME
- DescriptionWho We Are: FFB, a dynamic and acclaimed single-branch bank born in the heart of Fresno, CA in 2005, is on a mission to redefine the banking experience. Our commitment to delivering top-not...
- 1 Month Ago
Credit Intern
- FFB Bank
-
Fresno, CA
INTERN
- DescriptionWho We Are: FFB, a dynamic and acclaimed single-branch bank born in the heart of Fresno, CA in 2005, is on a mission to redefine the banking experience. Our commitment to delivering top-not...
- 26 Days Ago
Fresno Madera Farm Credit
- Ag Jobs
-
Fresno, CA
FULL_TIME
- Areas of Responsibility: Fresno Madera Farm Credit is searching for a self-motivated, highly driven individual to join our fast-paced team environment. The Staff Accountant II will report directly to ...
- 6 Days Ago
Clerk
- Raley's Supermarkets
-
Oakhurst, CA
OTHER
- Overview We are now hiring Great People Who Care! We are looking for a fearless and accountable Clerk who is positive and passionate! Our Clerks will be responsible for executing a wide variety of tas...
- 21 Days Ago
Branch Manager
- Noble Credit Union
-
Fresno, CA
FULL_TIME
- Summary: Retains full responsibility for planning, directing, organizing, and controlling the operational activities and staff of the branch, as well as adherence to credit union policies and procedur...
- 17 Days Ago
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0 Credit Clerk jobs found in Visalia, CA area
Sales Manager
- J. Galt
-
Visalia, CA
- Position Summary: Our Sales Manager has managing partner responsibilities for a team of 5-25 Executive Consultants in ma...
- 4/26/2024 12:00:00 AM
Hotel Front Desk Agent
- Wyndham Visalia
-
Visalia, CA
- The Hotel Front Desk Agent is a key part of the overall success of the Wyndham Hotel. Often the guest representative is ...
- 4/26/2024 12:00:00 AM
Accounting Clerk
- PrideStaff - Visalia, CA
-
Reedley, CA
- Job Description Job Description Accounting Clerk Responsibilities: • Assist with various accounting functions as needed,...
- 4/25/2024 12:00:00 AM
z-Part-Time Adjunct Faculty Pool - Librarian
- College of the Sequoias
-
Visalia, CA
- Salary: $60.60 - $72.51 Hourly Location : Visalia/Tulare/Hanford, CA Job Type: Adjunct Faculty Job Number: 4422-af-LIBR ...
- 4/25/2024 12:00:00 AM
Part Support Specialist
- Haaker Equipment Company
-
Visalia, CA
- Job Description Job Description Job Summary: Provide exceptional customer service for all needs of the Central Valley Br...
- 4/24/2024 12:00:00 AM
Controller
- Serpa - A ProMach Company
-
Visalia, CA
- Job Description Job Description Serpa Packaging Solutions is looking for a Controller, in this role you'll serve as a ke...
- 4/24/2024 12:00:00 AM
Pharmacist - Sign-On Bonus and Relocation Available
- WALGREENS
-
Visalia, CA
- Job Objectives Provides pharmacy consulting services with empathy to patients regarding the effective usage of medicatio...
- 4/23/2024 12:00:00 AM
Sales Associate - Visalia Mall
- Forever 21
-
Visalia, CA
- Overview: The Sales Associate is responsible for demonstrating knowledge and love of the brand while ensuring each custo...
- 4/22/2024 12:00:00 AM
About Visalia, California
Visalia (/vaɪˈseɪliə/ vy-SAYL-ee-ə) is a city situated in the agricultural San Joaquin Valley of California, approximately 230 miles (370 km) southeast of San Francisco, 190 miles (310 km) north of Los Angeles, 36 miles (58 km) west of Sequoia National Park and 43 miles (69 km) south of Fresno. The population was 130,104 as of a 2015 U.S. Census Bureau estimate.
Visalia is the 5th largest city in the San Joaquin Valley after Fresno, Bakersfield, Stockton and Modesto; the 44th most populous in California; and 198th in the United States.
As the county seat of Tulare County, Visalia serves as the...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Credit Clerk jobs
$36,401 to $48,962
Visalia, California area prices
were up 2.7% from a year ago
were up 2.7% from a year ago