Sears Holding Corp

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Call Center Credit Specialist

at Sears Holding Corp

Posted: 5/30/2019
Job Status: On Call
Job Reference #: 1842135

Job Description

Job Title
Call Center Credit Specialist

Home Services - Sears Home Improvement Products

Job Description
The Credit Specialist reviews and processes the credit review queue to resolve lender counter offers/declines which were generated due to non-qualification of lender matrix, fraud alerts, consumer statements and address re-verifications. This position determines if credit application and applicant credit bureau results meet basic third party lender policy and criteria and redirect application to appropriate lender.

Requisition ID

Employment Category
Regular, Full-time

Travel Requirements

Preferred Minimum Education
High School / GED

Responsibilities/Skills/Experience Requirements

• Gathers related documents and send to lenders for payment as installed jobs are released back to Credit
• Reviews applicant financing options and determine qualifications to procure full sale amount.
• Analyzes and performs basic underwriting skills by processing applications for installment loans.
• Contacts and verifies sources such as credit bureaus, netronline and public records to confirm applicant property ownership, verify liabilities and credit information.
• Obtains installment loan stipulations from applicant as required by lender.
• Provides world class customer service and maintains strong rapport with Members, sales project consultants and branch personnel.
• Educates and informs sales project consultants and Members of loan programs, rates, policies and loan procedures achieved through consistent, open communication.
• Prepares reports and/or records as requested by Credit Call Center Management.
• Works cohesively with Team Leads to resolve credit issues of existing pending applications.
• Assists as needed in overflow frontline Credit Call Center calls.
• Performs other job-related responsibilities as required

• High school diploma or equivalent
• 3-4 years of related experience
• 18 years of age or older


• Professional, customer-service oriented, proficient at time management and self-directed.
• Ability to work well under pressure.
• Ability to sell financial products and services.
• Ability to work individually and as part of a team.
• Ability to communicate in spoken and written English well enough to be understood by supervisors, co-workers, and customers.
• Ability to enter data and maneuver efficiently using a keyboard, operate a mouse, use telephone and headset equipment, and listen while keying information into the system.
• Ability to meet the physical requirements of frequent sitting and some standing and walking, with bending and reaching as necessary.
• Ability to demonstrate self control by maintaining composure and keeping emotions in check even in difficult situations.
• All employees/associates may in the course of their duties come in contact with Credit / Debit Card Data. If this data is exposed as part of their position in the site/center, the associate must protect that data as directed and required by the compliance team to ensure SHC s compliance to current Payment Card Industry (PCI) Data Security Standards (DSS)

Job Function
Call Center

Job Code (SHC)
HS5437: Credit Specialist

Payroll Location
24626: Lake Mary Call Center-Corp

Years Experience
2 - 5 Years Experience

United States

Employing Entity
Sears Home Improvement Products, Inc.

Location Postal Code

Location City

Location State

Sears Req Type

Location Address 1

Location Address 2
SUITE 1020

EEO/EOE Footer
Equal Opportunity Employer / Disability / Vet.