Credit Clerk jobs in Wilmington, DE

Credit Clerk evaluates and suggests creditworthiness of prospects and customers to decrease financial risk to the organization. Checks credit applications and grants approval within established guidelines for organizations or individuals. Being a Credit Clerk communicates with the customers and other departments to solve the credit problems. May negotiate terms of payment to assist with collection of overdue balances. Additionally, Credit Clerk requires a high school diploma or its equivalent. Typically reports to a supervisor or manager. The Credit Clerk possesses a moderate understanding of general aspects of the job. Works under the close direction of senior personnel in the functional area. May require 0-1 year of general work experience. (Copyright 2024 Salary.com)

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CREDIT ANALYST
  • Dover Federal Credit Union
  • Dover, DE FULL_TIME
  • Description

    The primary function of this position is to analyze information and credit reports to evaluate degree of risk of business loans and prepare recommendations for the AVP of Commercial Loan Department, Chief Executive Officer, Senior Credit Analyst and Loan Committee.  A key component of this service is to identify the financial needs of the member and recommend an appropriate credit union solution. In addition, assist with the daily operations for the Commercial Loan Department.

    Requirements

    • Review loan packages to insure all financial information has been obtained with appropriate signatures and analyze credit information to make a general assessment of member’s creditworthiness.
    • Conduct in-depth review of balance sheet and profit and loss statements presented by applicants for commercial loans or lines of credit, and evaluate.
    • Assess liquidity, quality of management, market position, and overall business climate to estimate future profitability of business.
    • Complete industry research.
    • Analyze and review appraisals of real estate used as loan collateral.
    • Complete risk rating analysis to determine appropriate risk ratings on credit requests, existing credits and annual reviews.
    • Compile and structure loan package for presentation. Prepare report-summarizing findings.
    • Monitor payment practices to protect credit union from bad debt losses.
    • Spread financial statements.
    • Complete financial analysis on financial statements and tax returns to include annual reviews.
    • Assist AVP of the Commercial Loan Department. Chief Executive Officer, and Senior Credit Analyst in preparing Credit Proposal Summaries.
    • Work with accountants to obtain and/or review financial information.
    • Monitor portfolio to insure all financials, aging reports and other required documents are up to date.
    • Monitor portfolio to include tracking for annual financial reviews.
    • Assist in preparing closing loan documents.
    • Create opportunities for expanding existing business member relationship by cross selling product and determining additional products and services for both the member’s business and personal needs.
    • Participate in Community events.
    • Serve as Notary

    Job Specifications

    • Requires education equivalent to a Bachelor’s degree.
    • Requires minimum of five years of related experience and or training in services at a bank, credit union, and/or other financial institution. Corporate, industry training, or continuing education on the business market, small business target market, etc. desirable.
    • Must possess a valid state driver’s license & insurance. Duties are performed in an office environment but also may require travel to other credit union facilities to provide assistance and/or attend meetings, training and networking events.  Duties may also require travel to business meetings within the local community and out of the state.
    • Professional, well-developed interpersonal skills essential to maintain courteousness, tactfulness, and diplomacy with the Board of Directors, members, management, a diverse group of callers, visitors, and vendors.
    • Ability to read and understand business financial statements.
    • Effective oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to members and employees.
    • Strong organizational ability, versatility, time management, with ability to work with minimal or no supervision.
    • Proficient in math and calculations related to lending (calculations and concepts involving decimals, percentages, fractions, etc.)
    • Work requires proficient computer skills (MSWord, Excel, PowerPoint, and Microsoft Outlook) and the ability to learn new software applications. Must have ability to operate standard office equipment such as copier and calculator. (Testing prior to interview)
    • The ability to have considerable discretion and judgment when working with confidential and sensitive information.
    • NMLS required, or ability to get within six months of hire.

    Physical Requirements

    The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

    While performing the duties of this job, the employee is frequently required to sit, use hands to finger, handle or feel, reach with hands and arms, and talk or hear. The employee is occasionally required to stand, walk, bend, kneel, and reach above or at shoulder level. The employee must occasionally lift/push/pull and/or carries up to 10 pounds.

  • 10 Days Ago

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Credit Representative
  • Rhoads Energy
  • Southeastern, PA FULL_TIME
  • Rhoads Energy is on the hunt for a Credit and Collections Representative! The Credit and Collections Representative is responsible for the consistent application of the corporate credit policy, period...
  • 11 Days Ago

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Director credit
  • JP Morgan Chase & Co.
  • Wilmington, DE FULL_TIME
  • Job Description Credit Review is an independent function within Internal Audit at JPMorgan Chase & Co. that aims to enhance and protect the firm by providing risk-based and objective assurance, advice...
  • 23 Days Ago

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Credit analyst ii
  • TD Bank Group
  • Wilmington, DE FULL_TIME
  • We are working to deliver a legendary mobile experience. If your experience is less than optimal, please visit us on a desktop or laptop. QA Analyst II Credit Cards & Unsecured Lending Delivery Operat...
  • 9 Days Ago

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Credit Card Customer Service
  • Discover Financial Services
  • Newark, DE FULL_TIME
  • Discover. A brighter future. We offer 100% remote, combo, or on site - it’s your choice! And… After you join the team, Discover will provide eligible employees with a one-time allowance of $500 to cov...
  • 10 Days Ago

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SBO Payment and Credit Analyst
  • Bayhealth
  • Dover, DE FULL_TIME
  • Position Description 30 Old Rudnick Ln STATUS: Full Time 80 Hours SHIFT: GENERAL SUMMARY: Summary: This position is accountable for processing Provider Level Adjustments (PLBs) received from insurance...
  • 13 Days Ago

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0 Credit Clerk jobs found in Wilmington, DE area

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Casino Credit Clerk - Philadelphia
  • Live! Casino and Hotel Philadelphia
  • Philadelphia, PA
  • Overview: Why We Need Your Talents Prepares and maintains documentation relating to customer casino credit, check cashin...
  • 3/18/2024 12:00:00 AM

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SBA Credit Administration and Tickler Management Team Lead
  • Innovative Financing Solutions
  • Philadelphia, PA
  • Job Description Job Description GENERAL PURPOSE OF JOB Independently the incumbent is responsible for leading the team r...
  • 3/17/2024 12:00:00 AM

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CWM - Marcus by Goldman Sachs - Cards Credit - Associate - Wilmington, DE
  • Goldman Sachs
  • Wilmington, DE
  • MORE ABOUT THIS JOB: Consumer and Wealth Management (CWM) Across Consumer and Wealth Management (CWM), Goldman Sachs hel...
  • 3/17/2024 12:00:00 AM

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Full Charge Bookkeeper/Accountant
  • Fleetwood Industrial Products
  • Boothwyn, PA
  • Job Description Job Description Reports To:President Purpose:This position will prepare and process financial statements...
  • 3/17/2024 12:00:00 AM

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Senior Accountant
  • Computer Aid, Inc
  • Wilmington, DE
  • Job Profile Summary CAI is seeking a Senior Accountant for an onsite opportunity. This is a long-term opportunity based ...
  • 3/16/2024 12:00:00 AM

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Commercial Banking Relationship Manager
  • WSFS Bank
  • Philadelphia, PA
  • Job Description At WSFS Bank, we empower our Associates to grow their careers, guide our customers to secure their finan...
  • 3/15/2024 12:00:00 AM

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Credit Specialist
  • IKO Industries, Ltd.
  • Wilmington, DE
  • IKO Industries Ltd. is a market leader in the manufacturing of roofing and building materials. IKO is a Canadian owned a...
  • 3/15/2024 12:00:00 AM

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Credit Assistant Manager
  • RAC Brands
  • Philadelphia, PA
  • Job Description Rent A Center Ready to do your best work? Interested in a minimum starting hourly rate of $18.50/hr? Why...
  • 3/14/2024 12:00:00 AM

According to the United States Census Bureau, the city has a total area of 17.0 square miles (44 km2). Of that, 10.9 square miles (28 km2) is land and 6.2 square miles (16 km2) is water. The total area is 36.25% water. The city sits at the confluence of the Christina River and the Delaware River, about 33 miles (53 km) southwest of Philadelphia. Wilmington Train Station, one of the southernmost stops on Philadelphia's SEPTA rail transportation system, is also served by Northeast Corridor Amtrak passenger trains. Wilmington is served by I-95 and I-495 within city limits. In addition, the twin-s...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Credit Clerk jobs
$38,281 to $51,492
Wilmington, Delaware area prices
were up 1.0% from a year ago