GreenSky Administrative Services LLC

Credit Verification Analyst

Job Location(s) US-GA-Atlanta
Posted Date 1 month ago(9/23/2020 3:06 PM)
Job ID
2020-4397
# of Openings
5
Category
Credit Operations

Overview

GreenSky is one of the fastest growing Financial Technology companies in America.  We make it easy for businesses of all sizes to offer credit to their customers with a fast and paperless solution. With billions of dollars in loans and hundreds of thousands of satisfied customers, GreenSky is quickly changing the consumer credit marketplace. We have a great team, are growing quickly, and are backed by some of the leading investors in the world.

 

Our corporate headquarters is located in the financial technology hub of Atlanta, GA.

 

Looking for great talent to help us continue our rapid growth!

 

Position:   Credit Verification Analyst

 

Organization:  This position is member of the Credit Operations Department and reports to the Director of Credit Operations.

 

Shifts:  Shifts vary, and cover hours from 8:00 AM – 12:00 AM, 5 shifts per week, any day of the week.  Shifts are primarily 9 hours with a 1 hour paid lunch. Most agents are required to work at least 1 weekend day per week.  The call center is open 363 days/year (closed Thanksgiving and Christmas).

 

Location:  Atlanta, GA

 

Travel:   None

Duties & Responsibilities

  • Perform consumer loan processing activities including analyzing & full review of credit information from all compliance approved resources which include but not limited to Credit Bureau Reports to determine Applicants creditworthiness.
  • Search, obtain, verify, process & interpret required info/data to include but not limited to calculating Debt-To-Income (D-T-I) ratio, analyzing tax returns or verifying income, address and SSN for remediation of a Pended application in preparation for a non-judgmental loan decision.
  • Determine the correct decision with an acceptable amount of minimal errors as it relates to the established credit policy for pended loan requests with the goal of achieving the optimal outcome for the borrower and the bank.
  • Communicate to applicant verifying personal information through challenge questions and loan decisions.
  • Adhere to established credit and bank policies, company guidelines and all regulatory requirements.
  • Maintain acceptable turnaround times while providing excellent customer service within established SLAs.
  • Research, analyze pending credit applications and case work to protect customers and GreenSky from identity theft in alignment with FACTA. Ability to identify customers and assess the risks involved in doing business with them as part of a program to prevent identity theft, fraud, money laundering, and terrorist financing.
  • Review alerts, notifications and warnings including but not limited to active duty alerts, credit freeze, address discrepancies, inconsistent patters in person’s credit history
  • Ability to document details, gather evidence and escalate appropriately to prevent friction for customers and merchants while protecting the company from risk.
  • Perform other duties as required.

Required Skills/Qualifications

  • Two plus years work experience in financial services industry, primarily in operations related to Credit, loan process, consumer lending/servicing, customer protection, disputes, prevention and mitigation of identity theft, credit cards, consumer lending, customer service, and or other transactional businesses
  • Demonstrated analytical and problem solving skills; the ability to recognize details and non-obvious patterns.
  • Demonstrated aptitude to utilize computer systems, adhere to bank policies and procedures, and ensure compliance with applicable bank regulations.
  • Independent thinker, minimal supervision, handles multiple tasks simultaneously and team oriented.
  • Solid understanding of credit, ability to read credit bureau report and identify discrepancies
  • Strategically prioritize tasks and utilizes effective time management skills.
  • Use of both verbal and written communications to include business email etiquette internally & externally.
  • Proficient with Microsoft Office and strong internet research skills.
  • Flexibility to work evening and weekend shifts as needed.
  • Ability to work with highly confidential and sensitive information.
  • Results orientated, flexible, takes initiative and works well in a team environment.

 

Preferred Qualifications:

  • Associate’s or Bachelor’s Degree preferred.
  • Proven ability to work in fast paced dynamic environment where correct decisions are made with acceptable amount of minimal errors while ensuring to not compromise the customer experience and prevent organizational financial loss.
  • Team player capable of learning and sharing knowledge in global/enterprise environment.
  • Knowledgeable of current and emerging fraud trends for both consumer facing and merchant facing portfolios.
  • Advanced knowledge of LexisNexis
  • Salesforce experience a plus

 

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