Credit Processing Associate

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Job Summary
Responsible as a primary source for either application or lien processing for the department. Review and assess applications for credit approval as well as establishment of credit lines for large construction/renovation jobs. Process liens to include filing mechanics liens and construction related documents (i.e. preliminary notices). Serve as a backup for other administrative duties within the credit team.
Major Tasks, Responsibilities, and Key Accountabilities
Performs all phases of credit application processing within established standards. Conducts credit checks as requested for applications and pending orders (bureau reports, fax and verbal).
Reviews and approves or declines credit applications that fall within standards as established by the business. Extends credit as appropriate using scope of authority and thorough account analysis.
Reviews and takes action on pending orders to include notation, contacting customer, obtaining authorizations, releases, voids, etc.
Performs all phases of mechanics lien and release processing within established guidelines to include but not limited to; researching account information to validate and perform lien/release processing, file creation, document/fee and check processing.
Utilizes systems to reconcile accounts including performing adjustments, processing bad debt and customer concessions, processing discrepancies, refunds and incoming mail.
Provides monthly reporting on credit processing performance.
Processes preliminary notices, mechanics liens and ownership inquiries.
Performs other duties as assigned.
Nature and Scope
Refers complex, unusual problems to supervisor.
Under general supervision, exercises some judgment in accordance with well-defined policies, procedures, and techniques. Work typically involves regular review of output by a senior coworker or supervisor.
None.
Work Environment
Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable.
Most of the time is spent sitting in a comfortable position and there is frequent opportunity to move about. On rare occasions there may be a need to move or lift light articles.
No travel required.
Education and Experience
HS Diploma or GED strongly preferred. Specialized skills training/certification may be required. Generally 2-5 years of experience in area of responsibility.

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