Credit Card Operations Clerk, Sr. jobs in Delaware

The Card Lending Services (CLS), has an excellent opportunity for an experienced commercial manager with proven operational management experience and superior knowledge of commercial card and business card underwriting policies.  The selected manager will thrive in a fast-paced developing environment. 

As a Credit Operations Manager III in CLS, you will supervise the daily operations of multiple commercial credit analyst teams.  You will join the Card Lending Operations function within Card Lending Services; managing dynamic commercial credit card teams who underwrite business card and corporate liability card requests for new and existing Chase’s customers.  You will be responsible; however, not limited to the following activities. Additionally, you will help management develop and implement strategies to improve quality by providing feedback regarding trends and making recommendations for revisions to credit policies and/or make recommendations to procedures and proposing ideas to close gaps on missed opportunities and/or process improvements. 

Job Responsibilities:

• Provide direct and professional feedback to commercial credit analysts including secondary deal reviews and providing further enhancement to an analyst’s underwriting rationale.  Also, managing day-to-day activities which includes schedule adherence, quality, production, turnaround times and commercial lending process (including financial spreads and underwriting) along with managing day to day efforts of a specialized operations team within CLS.
• Build strong working relationships with internal partners such as Business Development and Risk Policy is another important component of the role. 
• Complete in-person or virtual side by sides to provide direct feedback based on an individual’s designated daily tasks while providing guidance to improve turnaround time, quality and overall production
• Manage departmental expectation which include schedule adherence, production standards, turnaround times and quality standard by creating daily reporting 
• Handle request inquiry and escalation calls, where applicable 
• Complete and manage to daily/weekly/monthly expectations for production, turnaround times and quality 
• Review daily, weekly and monthly reports to ensure team consistency
• Identify operational efficiencies and provide clear concise recommendations to improve, where applicable
• Strong ability to plan, prioritize and execute tasks 
• Complete ad-hoc projects and requests as needed

Required qualifications, capabilities, and skills

• Minimum 5 years of commercial operations management experience with a concentration in business card or commercial card lending;
• Minimum 5 years commercial and business judgmental underwriting experience required
• Bachelor's degree in a business-related discipline (Finance, Economics or Accounting, MBA a plus) 
• Successful completion of a major corporate bank commercial training program (or the equivalent corporate banking/corporate finance or accounting experience)
• Strong ability with a proven track record of providing coaching and talent development. Ability to manage within a high-paced team environment. Demonstrate resiliency and adaptability in a fast-paced environment
• Possess accounting and finance knowledge, and commercial banking experience
• Thorough understanding of judgmental commercial credit risk assessment, including in-depth understanding of financial statements, balance sheets, income statements, and statements of cash flow. Proficiency in judgmental commercial underwriting transactions and analytical skill sufficient to enable independent development of commercial and business card requests for all industries, line sizes and complexity
• Superior oral and written communication skills, with proven ability to interact effectively with customers and internal stakeholders at various levels in the organization. Proven ability to communicate verbally and in writing with internal and external customers and with various levels of management
• Strong analytical and problem-solving skills. Approach problems logically and with good judgement to ensure the appropriate outcome for customers and the firm, making appropriate decisions quickly and effectively and independent decision- making ability

Preferred qualifications, capabilities, and skills

• Possess strong customer focus with the ability to have detailed conversations with our customers, while documenting conversations thoroughly and concisely
• Abide by all applicable regulatory and department practices and procedures
• Be results-oriented and demonstrate enthusiasm, resilience under stress, and a will-to-win attitude
• Flexibility in adapting to changing volumes, tasks and areas of focus; 
• Ability to investigate, recommend and initiate process improvements. Open to change, with the ability to quickly learn new processes and adapt to ever changing environment. Self-starter with strong initiative;
• Computer skills specific to Microsoft products and proprietary systems, including ability to navigate multiple systems/windows simultaneously;