Conduct a job analysis for each following job position.

Is each job valuable to the company, and how?

Is each job worth the compensation?

1- Credit Officer High Risk ($1000 USD monthly)

The High-Risk Officer is responsible for supporting the credit department by reviewing, evaluating and verifying loan applications with a focus on those that are in arrears or are at high risk of being in arrears. This role also consists of the management of contacted collectors (bailiffs) to ensure collection or proper repossession of items.

Here is more of what you will get to do:

• Must always be courteous and helpful to customers and co-workers and practice good customer service via telephone, in person and emails.
• Update system in accordance with findings and policies
• Ensure the proper movement of invoices and documents within the company
• Ensure contracts and all relevant documents are filed properly and/or sent to the respective place for filing and safe keeping.
• Ensure strict confidentiality of customers personal information
• Present relevant information promptly, clearly, and concisely to customers and supervisors
• Monitor customer accounts and ensure customers clear arrears
• Ensure compliance with arrears collection procedures and updating customers accordingly.
• Evaluate situations, measure risks and make recommendations where necessary.
• Management of Bailiff assigned to you
• Prepare Bailiff payroll within required scheduled time
• Other duties as assigned from time to time

Some of the skills that will assist you in being successful:

• Ability to manage stress in a fast-paced environment
• Organizational and time management
• Ability to work independently with strong analytical and decision-making skills
• Experience of working in a retail sales organization
• Highly motivated by targets
• Attention to detail and outstanding interpersonal and communication skills.
• Customer service-oriented with exceptional sales skills.
• Computer Literate

Qualifications / Education:

• Minimum of an Associates degree, Bachelors preferred
• Experience with loans and supervision is an asset

Staff benefit information

Medical, dental, and vision insurance

Paid vacation time

Retirement benefits (401K) Matching

Life Insurance

Employee assistance program

Paid sick leave

Flexible spending account

2- Credit Officer Sanctioning ($900 USD monthly)

The Sanctioning Officer is responsible for supporting the credit department in ensuring effective verification of customers to achieve efficient loan process. This role consists of evaluating the financial status of a loan applicant and act as a liaison between applicants and our financial institution.

Here is more of what you will get to do:

• Ensure all personnel are aware of procedures and policies that affect their job duties and ensure compliance
• Analyze systems, policies, and procedures to ensure that they meet objectives most effectively and recommend and implement changes, as necessary.
• Must always be courteous and helpful to customers and co-workers and practice good customer service via telephone, in person and emails.
• Verify proposal documents accurately and approve new and subsequent accounts with authorization/ guidance from the Administrator
• Receive and verify credit documents in conformity with the companys guidelines
• Update system in accordance with findings and policies
• Ensure the proper movement of invoices and documents within the company
• Ensure contracts and all relevant documents are filed properly and/or sent to the respective place for filing and safe keeping.
• Ensure strict confidentiality of customers personal information
• Present relevant information promptly, clearly, and concisely to customers and supervisors
• Monitor customer accounts and ensure customers clear arrears
• Ensure compliance with arrears collection procedures and updating customers accordingly.
• Maintain an efficient filing system.

Some of the skills that will assist you in being successful:

• Ability to manage stress in a fast-paced environment
• Organizational and time management
• Able to work in a team
• Experience of working in a retail sales organization
• Highly motivated by targets
• Attention to detail and outstanding interpersonal and communication skills.
• Customer service-oriented with exceptional sales skills.

Qualifications / Education:

• Minimum of an Associates Degree, Bachelors preferred
• Experience with loans or verification is an asset
• Bilingual is an asset

Staff benefit information

Medical, dental, and vision insurance

Paid vacation time

Retirement benefits

Paid sick leave

Employee discount

Flexible schedule

Professional development assistance (provide training and access to training that enables them to advance in their profession)

Work from home

3- Credit Administrator ($1750 USD monthly)

The Credit Administrator is responsible for supporting the credit department to create, complete, and analyze various reports. This role also offers support to users of the companys front-end operating software who require assistance in navigating, completing tasks or troubleshooting system issues.

What will you be responsible for?

• Compile reports daily/weekly/monthly and as required within specific timeframes.
• Analyze and understand all reports to ensure efficiency and accuracy.
• Analyze and provide focus for noted areas of variances.
• Assist in testing and implementation of system upgrades.
• Assist with local issues in Cosacs where knowledge and ability prevail.
• Assist in generating user guide to assist users on changes in Cosacs.
• Training other staff members on troubleshooting and diagnosing problems.
• Assist with drafting help desk manuals to help address repeated issues.
• Support and assist the business where necessary and undertake any other duties that may be directed from time to time.

Some of the skills that will assist you in being successful:

• Strong Analytical and problem-solving skills
• Strong (internal and external) Customer Service skills
• Computer Literate and Numerate
• Strong interpersonal and communication skills
• Organizational and planning skills
• Ability to prioritize a demanding workload
• Strong work ethic and leadership skills
• Ability to work on own initiative

Qualifications / Education:

• Bachelors degree in Accounting, Finance or Business preferred
• 3 Years experience in a similar position with an emphasis on reports and systems.
• Bilingual is an asset

In this role, you will be working with the consumer finance department which is responsible for the credit area of the business.

Staff benefit information

Medical, dental, and vision insurance

Paid vacation time

Retirement benefits (401K)

Paid sick leave

Flexible schedule