Credit, Collections & Risk Analyst
Rush Star Wireless, Inc - San Diego, CA

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Verifies credit standing of customer from information in files, and approves or disapproves credit, based on predetermined standards.
  • Evaluates customer records and recommends that accounts be closed, credit limit reduced or extended, or collection attempted, based on earnings and savings data, payment history, and purchase activity of customer.
  • Establishes credit limitations on customer accounts and handles special credit arrangements and deviations from standard terms of payment by considering such factors as applicant's assets, credit experience, and personal references, based on predetermined standards.
  • Confers with representatives of credit associations and other businesses to exchange information concerning credit ratings and forwarding addresses.
  • Assists in development of credit rating criteria and credit ceilings with upper management.
  • Interviews customers in person or by telephone to investigate complaints, verify accuracy of charges, or to correct errors in accounts.
  • Creates and maintains databases on activity conducted in all accounts.
  • Prepares reports on current findings and action taken for all accounts under investigation.
  • Assists in the recommendation and creation of policies to upper management.
  • Assigns responsibility for investigation of fraud cases and possible legal action and collection for worthless checks and delinquent bills.
  • Reviews collection reports to ascertain status of collections and balances outstanding and to evaluate effectiveness of current collection policies and procedures.
  • Audits delinquent accounts considered to be uncollectible to ensure maximum efforts have been taken before assigning bad debt status to account.
  • Coordinates with others, including personnel in company branches and credit card companies, to exchange information and update controls.
  • Submits delinquent accounts to attorney or outside agency for collection.
  • Compiles and analyzes statistical data on fraudulent use of credit to develop procedures designed to deter or prevent future abuses.
  • Files credit applications after credit department approves or disapproves credit.
  • Answers credit rating requests from banks and credit bureaus.
  • Notifies customer by mail, telephone, or in person of acceptance or rejection of application.
  • Accepts payment on accounts.
  • Keeps record of applications for loans and credit.
  • Computes interest and payments.
  • Checks value of customer's collateral, such as securities, held as security for loan.
  • Creates and maintains databases on activity conducted in all accounts.
  • Prepares reports on current findings and action taken for all accounts under investigation.
  • Microsoft Office software

  • Position Requirements:
    • Must have a valid driver’s license, social security card
    • Bilingual Communicator is always welcome
    • 2-5 Years previous experience
    • Must be a detail listener with strong organizational and time management skills.

    • High School Diploma or GED Required
    • Bachelor's Degree- Preferred

    Rush Star Wireless, Inc - 18 months ago - save job - block
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