Processor, Credit Card Credit Operations
Merrick Bank, South Jordan, UT, United States
What We Do
At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.
Who We Are CardWorks, Inc. is a diversified consumer finance service provider and parent company of CardWorks Servicing, LLC, Merrick Bank and Carson Smithfield, LLC.
CardWorks Servicing, LLC provides end‑to‑end operational servicing functions for credit cards, secured cards, and installment loans. We service consumer and small business loans across the credit spectrum and offer backup servicing and due‑diligence services to capital providers and trustees.
Merrick Bank is an FDIC‑insured Utah Industrial Loan Bank. Merrick operates three main business lines: credit cards, recreational lending, and merchant services.
Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self‑service, IVR, live agent, and external agency management.
Essential Functions
Processes credit applications using the application processing system and applicable procedures.
Maintains a thorough knowledge of product and program credit policies and department procedures that execute policies.
Maintains a thorough knowledge of both State and Federal banking regulations.
Identifies areas of opportunity within department processes and offers ideas and suggestions for improvement.
Coordinates with Team Leader, completes work and projects within assigned schedule and timeline.
Performs inbound and outbound calls from/to current and potential customers as assigned.
Assists the unit Team Leader as directed.
Compliance With Laws & Regulations
Responsible for complying with all the Bank’s internal control policies and procedures.
Responsible for understanding and complying with all laws and regulations to which the Bank is subject.
Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.
Education and Experience High school diploma or equivalent is required.
Two (2) years’ work experience in a credit‑related position is preferred.
Summary of Qualifications
Proven ability to work effectively in a production environment.
Effective planning, organizational, time management and problem‑solving skills.
Able to communicate effectively and professionally with external customers via telephone and written communications.
Proven ability to work effectively under pressure. Skill at handling a variety of assignments simultaneously.
Flexibility and willingness to work at a rapid pace in strict time frames.
Preferred Skills Keyboard and Windows-based Applications (Microsoft Office) Experience.
Our Employee Value Proposition
Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
Benefits Package -Medical, Dental, and Vision (plus much more)
401(k) Plan with Company Match
Short- & Long-Term Disability
Wellness Programs
Group Life and AD&D Insurance
Paid Vacation, Sick Days and bank Holidays
Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition
We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.
We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic. We will conduct a thorough background check for all hires in compliance with applicable laws.
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Who We Are CardWorks, Inc. is a diversified consumer finance service provider and parent company of CardWorks Servicing, LLC, Merrick Bank and Carson Smithfield, LLC.
CardWorks Servicing, LLC provides end‑to‑end operational servicing functions for credit cards, secured cards, and installment loans. We service consumer and small business loans across the credit spectrum and offer backup servicing and due‑diligence services to capital providers and trustees.
Merrick Bank is an FDIC‑insured Utah Industrial Loan Bank. Merrick operates three main business lines: credit cards, recreational lending, and merchant services.
Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self‑service, IVR, live agent, and external agency management.
Essential Functions
Processes credit applications using the application processing system and applicable procedures.
Maintains a thorough knowledge of product and program credit policies and department procedures that execute policies.
Maintains a thorough knowledge of both State and Federal banking regulations.
Identifies areas of opportunity within department processes and offers ideas and suggestions for improvement.
Coordinates with Team Leader, completes work and projects within assigned schedule and timeline.
Performs inbound and outbound calls from/to current and potential customers as assigned.
Assists the unit Team Leader as directed.
Compliance With Laws & Regulations
Responsible for complying with all the Bank’s internal control policies and procedures.
Responsible for understanding and complying with all laws and regulations to which the Bank is subject.
Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.
Education and Experience High school diploma or equivalent is required.
Two (2) years’ work experience in a credit‑related position is preferred.
Summary of Qualifications
Proven ability to work effectively in a production environment.
Effective planning, organizational, time management and problem‑solving skills.
Able to communicate effectively and professionally with external customers via telephone and written communications.
Proven ability to work effectively under pressure. Skill at handling a variety of assignments simultaneously.
Flexibility and willingness to work at a rapid pace in strict time frames.
Preferred Skills Keyboard and Windows-based Applications (Microsoft Office) Experience.
Our Employee Value Proposition
Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
Benefits Package -Medical, Dental, and Vision (plus much more)
401(k) Plan with Company Match
Short- & Long-Term Disability
Wellness Programs
Group Life and AD&D Insurance
Paid Vacation, Sick Days and bank Holidays
Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition
We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.
We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic. We will conduct a thorough background check for all hires in compliance with applicable laws.
#J-18808-Ljbffr