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First Source FCU

Credit and Debit Card Support Specialist I

Career Insights for Credit Specialist / Clerk

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Based on New York data

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What they do

A Credit Specialist or Clerk reviews the credit history of individuals or businesses that apply for credit. Requests information from credit companies, analyzes computerized records and payment histories, and determines whether new credit can be approved.

$51,070 / year median in New York

-2% projected decline

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Job Description

Position Summary This position supports the day-to-day processing, servicing, and maintenance of debit and credit card services. Responsibilities include card issuance and processing support, account maintenance, member and staff inquiries, risk monitoring, and issue resolution. This role helps ensure card service channels are delivered accurately, efficiently, compliantly and with a positive member experience. Essential Job Functions Maintain knowledge of debit and credit card products, services, processes, and platform functionality to effectively support members, staff, and daily operations. Perform daily operational processing for card channels and provide timely support to member-facing teams to help maintain established service levels. Support card platform administration, including password resets, vendor updates, and system testing or implementation. Process and support credit card issuance, transactions, maintenance, charge-offs, and related basic inquiries. Process and support debit card issuance, transactions, maintenance, disputes, and related basic inquiries. Assist with researching, troubleshooting, and resolving routine member issues. Initiate member outreach as needed to support issue resolution, account maintenance, service follow-up, or risk-related inquiries. Utilize the dispute platform to work with members to process, track, and reconcile debt card disputes to ensure timely and accurate resolutions that meet regulatory requirements. Assist with investigating reported or identified card-related fraud or potential fraud, escalating issues as needed. Assist with evaluating and implementing improvements to processes, procedures, and workflows. Ensure card services comply with applicable state and federal regulations, NCUA guidance, Credit Union policies, and federally regulated disclosure requirements. Represent First Source Federal Credit Union at designated organizational and community events as required. Complete all required training, including compliance, regulatory, privacy, and job-specific training, within established timeframes. Participate in ongoing training and development opportunities to maintain knowledge of systems, procedures, and service expectations. Travel as necessary to support business needs, training, meetings, or Credit Union events. Perform additional duties and responsibilities as assigned to support departmental and organizational objectives. Qualifications, Skills, and Experience Knowledge of debit and credit card products, services, and applicable regulations. Related business degree desired; one or more years of banking or credit union experience preferred. Strong analytical skills with attention to detail, initiative, sound judgment, and problem-solving ability. Excellent verbal and written communication skills, with strong interpersonal and member service abilities. Maintain a professional appearance and demeanor. Demonstrated reliability and dependability, with a commitment to consistent attendance, punctuality, follow-through, and accountability in meeting position responsibilities. Proficient with Microsoft Office, including Outlook, Excel, and Word. Basic knowledge of financial institution core systems. Ability to perform effectively in a high-volume, fast-paced environment. Demonstrated adaptability under pressure and the ability to effectively prioritize responsibilities. Ability to work flexible hours, including evenings and Saturdays, as needed. Universal Behaviors Knowledgeable and Experienced I promise to take personal ownership for learning and using that knowledge to provide value to those that I serve by: Looking for answers until I find them. Seeking opportunities to learn from others. Appreciating and respecting others' views. Acknowledging mistakes and learning from them. Going out of my way to share my knowledge and experience. Striving for Operational Consistencies I promise to make it easy for you through consistency, efficiency, and accuracy by: Doing it right the first time, being thorough and accurate. Taking pride and ownership in my work Making and keeping commitments. Continuing to look for better ways to do things and challenging the status quo. Rewarding Work Environment I promise to show care, compassion, and respect toward everyone I interact with by: Being approachable and accessible to others. Creating a pleasant work environment for each other. Always asking what more I can do. Resolving differences promptly Recognizing the contributions of others. Embracing diversity in the workplace. Committed to Member Service I promise to deliver exceptional member service by: Interacting with a natural and genuine friendliness. Being courteous and respectful. Creating a welcoming environment. Exceeding your expectations. Sharing the moment and finding common ground.