Credit Clerk jobs in Goose Creek, SC

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 Advisor
  • Pinnacle Bank
  • Charleston, SC FULL_TIME
  • At Pinnacle, our goal is to create an atmosphere where associates are fully engaged, enjoy what they're doing and are successful. We work to ensure that every associate embraces what makes Pinnacle different and excellent. For us, it starts with hiring the right people.

    • We hire like-minded people who share our values of Integrity, Fairness, Learning, Results, Partnership, Balance and Discipline.
    • We hire experienced professionals who understand the industry and provide effective advice.
    • We hire people who demonstrate a passion for client service. People who understand that distinctive service is more than smiling and being friendly - it's about creating a client experience that is unmatched.

    But attracting the right people is only half the battle. We have to ensure that every associate understands their actions affect the outcomes of the firm. Our Position Descriptions are not designed to list every aspect of a position but to serve as a general overview.

    SUMMARY OF POSITION:

    A Credit Advisor should demonstrate commitment to delivering distinctive service. The position will be responsible for providing the credit analysis and underwriting for new and renewed credit requests. This position is also responsible for ongoing portfolio management and preparation of underwriting documentation. The Credit Advisor may become eligible to receive lending authority, as determined by the hiring manager.

    PRIMARY RESPONSIBILITIES:

    • Provide distinctive service to clients and prospects, in person and over the telephone. Respond to client inquiries and satisfactorily resolve client issues. Support firm-wide achievement of the three-ring standard (all phones answered by a live person within three rings).
    • Partner with Financial Advisors by giving front end guidance on new and renewed credit requests including desirability of the credit related to Pinnacle's credit appetite, structure, documentation, and monitoring.
    • Complete all underwriting functions such as financial spreading (if applicable), written analysis, global cash flow analysis, industry analysis, projections, collateral evaluation, and risk rating to provide vital decisioning information to the credit approving team.
    • Engage in prospect and client calls.
    • Exhibit willingness and ability to "weigh in" on the credit decision. If applicable, exercise sound decisioning judgment if approving within own lending authority.
    • Ensure timely completion of Periodic Credit Reviews. Provide sufficient written analysis to support the credit exposure, assigned risk rating, and recommendations.
    • Perform ongoing, timely calculations and testing of financial covenants, borrowing bases and margin requirements as required; address and communicate any issues that warrant discussion such as defaults, variances from projections, over advances, potential risk rating changes (up or down).
    • Evaluate appropriate front end cost analysis on construction loans. Complete Net Operating Income (NOI) analysis to ensure the requested loan amount supports the income producing property, as applicable.
    • Review the monthly KPI and portfolio reports available on the intranet each month, ensuring accuracy and discussing results with the appropriate Senior Credit Officer.
    • Meet all the client's financial needs, both business and personal, and refer clients to other specialty areas such as Trust, Investments, Insurance, Treasury Management, etc. as appropriate.
    • Assist other team members as needed to ensure delivery of distinctive service.
    • Perform other related duties and responsibilities as assigned.

    DESCRIPTION OF EXPERIENCE, EDUCATION, AND TRAINING:

    • Bachelor's degree in accounting, economics, finance, or business-related field.
    • Minimum of 10 years' experience in financial services.
    • Proficient in Microsoft Office (Word, Excel, and PowerPoint) or related software.
    • Thorough knowledge and understanding of the lending process.
    • Knowledge of federal banking regulations, compliance, policies, and procedures.
    • Proficient in the use of technology and loan systems.

    DESCRIPTION OF CAPABILITIES, PHYSICAL REQUIREMENTS, AND ABILITIES:

    • Effective interpersonal skills, including verbal and written communication skills.
    • Effective analytical skills in order to analyze financial and procedural data.
    • Ability to define problems, collect data, establish facts, and draw valid conclusions.
    • Ability to manage and prioritize tasks including the acceptance and timely completion of projects and assistance of teammates.
    • Ability to articulate complex concepts clearly and concisely.
    • Ability to work independently and prioritize daily tasks.
    • Ability to work in a fast-paced environment and work well under pressure with a high degree of accuracy.
    • Understanding of critical lending documentation, general business systems and internal controls.
    • Excellent client service skills. Tact and diplomacy in dealing with both clients and associates.
    • The physical activities of this job include but are not limited to the ability to stand and sit for prolonged periods of time, use of manual dexterity, verbal communication, visual acuity, repetitive motion, and the ability to hear. Often long periods of mental concentration are required. Other activities are the ability to bend, climb, balance, stoop, kneel, crouch, reach, walk, push, pull, lift, and grasp.

    POSITION STATUS: EXEMPT

    DATE: 11.07.2022

    Pinnacle is an Equal Opportunity and Affirmative Action Employer committed to supporting a culture of inclusivity that builds a diverse workforce so we can support the many different communities we serve. All otherwise qualified associates and applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender expression and/or identity, national origin, age (40 and over), genetic information, disability, protected military or veteran status, pregnancy or pregnancy-related conditions, or other status protected by law.


    Pinnacle provides equal employment opportunities to all associates and applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran’s status, genetic information, or any other status protected by federal, state or local law or ordinance.

     

  • 20 Days Ago

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Credit Manager
  • Rent-A-Center
  • Charleston, SC FULL_TIME
  • Rent A Center Ready to do your best work? Interested in a minimum starting hourly rate of $18? Why should I apply in just a few clicks? Paid Time Off and Sundays Off -- We are Closed! Full-Time Employ...
  • 9 Days Ago

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Assistant Manager-Credit
  • RAC BRANDS
  • Summerville, SC FULL_TIME
  • Rent A Center Ready to do your best work? Interested in a minimum starting hourly rate of $18? Why should I apply in just a few clicks? Paid Time Off and Sundays Off -- We are Closed! Full-Time Employ...
  • Just Posted

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Assistant Manager-Credit
  • S_Operations
  • Summerville, SC FULL_TIME
  • Rent A Center Ready to do your best work? Interested in a minimum starting hourly rate of $18? Why should I apply in just a few clicks? Paid Time Off and Sundays Off -- We are Closed! Full-Time Employ...
  • 1 Day Ago

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Credit Assistant Manager
  • Rent-A-Center
  • Charleston, SC FULL_TIME
  • Rent A Center Ready to do your best work? Interested in a minimum starting hourly rate of $17? Why should I apply in just a few clicks? Paid Time Off and Sundays Off -- We are Closed! Full-Time Employ...
  • 9 Days Ago

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Assistant Manager-Credit
  • Rent-A-Center
  • Moncks Corner, SC FULL_TIME
  • Rent A Center Ready to do your best work? Interested in a minimum starting hourly rate of $18? Why should I apply in just a few clicks? Paid Time Off and Sundays Off -- We are Closed! Full-Time Employ...
  • 9 Days Ago

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0 Credit Clerk jobs found in Goose Creek, SC area

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Sr. Commercial Relationship Manager
  • First Horizon Corp.
  • Mount Pleasant, SC
  • About Us First Horizon Corp. (NYSE: FHN), with approximately $90 billion in assets, is a leading regional financial serv...
  • 3/28/2024 12:00:00 AM

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Tax Senior Associate
  • FORVIS
  • Charleston, SC
  • Description & Requirements As a Tax Senior Associate at FORVIS, you value working closely with others to plan for the fu...
  • 3/28/2024 12:00:00 AM

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Server / Wait Staff
  • Waffle House, Inc.
  • Goose Creek, SC
  • At Waffle House, we are not in the food business. We are in the People Business and we are hiring immediately for full t...
  • 3/28/2024 12:00:00 AM

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Staff Accountant
  • Diocese of Charleston
  • Charleston, SC
  • Job Description Job Description Introduction We are looking for a detail-oriented junior accountant to perform accounts ...
  • 3/27/2024 12:00:00 AM

D
Clinical Nurse
  • Department of Defense
  • Goose Creek, SC
  • Summary Click on "Learn more about this agency" button below for IMPORTANT additional information. This position will su...
  • 3/27/2024 12:00:00 AM

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Sr. Commercial Relationship Manager
  • First Horizon
  • Mount Pleasant, SC
  • About UsFirst Horizon Corp. (NYSE: FHN), with approximately $90 billion in assets, is a leading regional financial servi...
  • 3/26/2024 12:00:00 AM

C
Cook
  • Charleston Regional Development Alliance
  • Goose Creek, SC
  • ** Cook** **Department of the Air Force** ** Air Force Nonappropriated Fund (NAF)** **Location** Few vacancies in the fo...
  • 3/26/2024 12:00:00 AM

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Office Manager
  • Kimbrell's Furniture
  • Goose Creek, SC
  • Kimbrell's Furniture is looking for motivated, enthusiastic and hard working individuals to join our Management Team. Ar...
  • 3/24/2024 12:00:00 AM

Goose Creek is a city in Berkeley County in the U.S. state of South Carolina. The population was 35,938 at the 2010 census. Most of the Naval Weapons Station Charleston is in Goose Creek. As defined by the U.S. Office of Management and Budget, and used only by the U.S. Census Bureau and other Federal agencies for statistical purposes, Goose Creek is included within the Charleston-North Charleston-Summerville metropolitan area and the Charleston-North Charleston Urbanized Area. Goose Creek is located in southern Berkeley County at 33°0′N 80°2′W / 33.000°N 80.033°W / 33.000; -80.033 (32.9955,...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Credit Clerk jobs
$34,571 to $46,501
Goose Creek, South Carolina area prices
were up 1.5% from a year ago