Credit Card Representative

Firstscotia; City of Schenectady (NY); On-site; USD 42,000 - 54,000; Full time

Job summary

Firstscotia is seeking a credit card representative to service Visa and MasterCard products and support reporting, processing, and policy adherence. The role focuses on accurate handling of applications, payments, disclosures, and account activity in a busy bank environment.

Candidates should have 1–2 years in credit card processing or related banking experience, with strong communication and organizational skills to balance daily tasks and deliver excellent customer service in a standard office

Qualifications

• 1-2 years of applicable professional experience in credit card processing or account handling.
• Banking experience preferred.
• Excellent customer service and relationship management abilities.

Responsibilities

• Provide exceptional service experience to customers every time.
• Demonstrate excellent communication by phone and written channels.
• Maintain credit card programs and related disclosures, rates and terms.
• Accept and process credit card applications approved by lenders.
• Submit daily credit card payments processed in branches.
• Monitor daily reports on credit card activity and portfolio.
• Balance general ledger accounts related to credit card programs daily.
• Prepare department and Board reports as scheduled.
• Monitor and process credit card fraud transactions for consumers and businesses.
• Process credit card charge-offs with collections when needed.
• Assist with loan processing, boarding to core system and servicing.
• Assist with ACH processing.
• Handle general credit customer service via phone, email, and mail.
• Other duties as assigned by management; may change.

Skills

Verbal communication

Written communication

Customer service

Education

High school diploma or equivalent

Job description

Description

The credit card representative will provide servicing for all credit card products, Visa and MasterCard. Gather and prepare reports, agreements, and letters associated with the processing of Visa and MasterCard credit cards while following established policies and procedures.

Job Responsibilities

• To provide an exceptional service experience, every time!
• Must have excellent communication and telephone skills.
• Primarily responsible for maintaining Credit Card Programs, changes to applications, disclosures, rates, terms & conditions, etc.
• Accept and process credit card applications approved by Lenders and Loan Committee.
• Daily submission of the credit cards’ payments processed in the branches.
• Monitor daily reports on credit cards activity and credit cards bank portfolio.
• Daily balancing of all general ledger accounts associated with credit card programs.
• Prepare department and Board of Director reports as scheduled.
• Monitor and process credit cards fraud transactions, both Consumer and Business.
• Process credit cards charge-offs in cooperation with the collection representatives.
• Assist with the processing of the loans: origination, boarding to core system and servicing.
• Assist with handling ACHs processing.
• Handle general credit customer service via phone, email, and mail.
• Other duties as assigned: duties, responsibilities and activities may change at any time with or without notice, deemed necessary by Management.

Requirements

Education and Experience

• 1-2 years of applicable professional experience required (credit card processing, account handling, loan experience)
• Banking experience preferred

Skills and Abilities

• Strong verbal, written, telephone, and interpersonal communication skills.
• Excellent customer service and relationship management abilities
• Strong organizational skills with the ability to prioritize multiple responsibilities and meet deadlines.

This job is an onsite position, operating M-F and is performed in a normal office setting, The role routinely uses standard office equipment. Travel may be required.