Pre-verification Associate

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Position Title:Pre-verification Associate

Job Summary:

The position is responsible for:

1. Reviewing and analyzing the results obtained from other banks.
2. Reviewing and analyzing the results during manual cross checking from different databases (CIF, NFC, Prime and Credit Acquisition Processing System)
3. Reviewing and analyzing the results obtained from the databases via CFMS.

Specific Duties & Responsibilities:

Various System Access and File Management

• Ensure accurate validation and checking of Credit Acquisition Processing System cross-check results against the existing MCC System (Prime) and other in-house databases (NFC, CIF, Credit Acquisition Processing System)
• Proper acknowledging of applications versus transmittal from other units (via shared network)
• Prepare the DBF (Data Base File) or CSV for BAP inquiries.
• Process card check results via landing pad.
• Consolidate the list of names for BAP Sit thru extension field RPT or CSV then upload in NFC Module for manual cross checking .
• Conduct proper turn-over of applications versus transmittal to other units (via shared network).

Evaluation of Internal and External Database Crosscheck Results

• Identify the applications with discrepancies or duplicates in the personal information and refer to verification unit for probing.
• Identify fraud applications through manual screening based on the submitted documents.
• Identify fraud applications by analyzing the duplicate records obtained during cross checking.
• Escalate any suspected fraudulent applications evaluated after card check results were obtained
• Conduct upfront decision based on existing policies
• Evaluate the results in Credit Acquisition Processing System and identify the appropriate subprogram code based on existing programs or policies.
• Manually evaluate the results in NFC Module and ensure accurate validation for those requests not part in Credit Acquisition Processing System.
• Evaluate account history based on the card check/credit bureau results and provide decision on if application passed existing policies.
• Decline applications that failed the card check criteria and ensure that appropriate codes are encoded.
• Provide accurate results of the pre-verification checking, which is necessary for the other units to come up with a sound credit decision on the application through notes in memoline or remarks in the excel sheet (from the request of the other department/s)
• Implement test program/s being launched, if any, and accurately tag the subprogram codes or card rating.

MIS Preparation

• Reconcile monthly billings for all BAP requests for cost accrual purposes.
• Prepare the daily MIS and efficiency results.
• Consolidate weekly all names with 30+dpd and up, send the list to Credit BIU for the required details and transmit the results to inquiring bank (CCAP Collections Data Sharing)
• Extract summary report in ITS, iFrend or M Online balance transfer requests.

Coordination with External Customers

• Reply to inquiries regarding requests of other units/departments on negative checking.
• Communicate with other banks' representatives and conduct incoming and outgoing card check with other card companies based on the assigned schedule.
• Send e-mail inquiries with other banks on or before 1:30PM (daily)
• Retrieve all email inquiries from other banks save it in the shared network for BUI's checking.
• Evaluate the PRIME history prior sending back to other bank.
• Strictly abide the turnaround time prescribed by the Credit Card Association of the Phil (CCAP) and ensure that email requests received from other banks will be available the following day or 24hour TAT per CCAP guideline.
• Ensure that card profile and credit history shared by the other card companies are accurately translated and documented in Credit Acquisition Processing System.
• Reconcile quarterly billing/settlement sent by other card companies for excess incoming ad outgoing excess card check requests
• Conduct regular accuracy checking for outgoing card check results of all CCAP member cards.
• Conduct outgoing card check.
• Extract BDO Balance Transfer Requests. Saved in shared folder for BUI's conversion to TUEF prior to TU inquiry.
• Evaluate and analyze the TransUnion results via CBS (Credit Bureau System).
• Accurately evaluate and analyze the card profile and credit history obtained from other banks and manually update the final decision in ITS.
• Coordinate with BAP and MCC-IT Group for any NFIS/NFC related concerns such as connection and other problems
• Meet 1 day TAT and ensure that BT requests are forwarded to Authorizations for processing before agreed cutoffs.
• Coordinate with CS, TPMP and Telemarketing for any discrepancies.

Others

• Perform project/tasks that may be assigned from time to time (e.g. Line Trainer, e-Rep)
• Assist in other credit functions as needed
• Perform other tasks responsibilities, projects which may be assigned from time to time (e.g. BORC, BCP, Cost Champion, Corp Correspondent, Line Trainer, e-Champ. etc.)

Qualifications:

• Bachelor's Degree holder; graduate of a business course
• 1 year experience as a credit assistant from a bank is an advantage
• Office and file management experience is an advantage
• Proficient in using Microsoft applications
• Willing to report onsite 100%
• Willing to render overtime

Other Details:

Rank: Rank and File

Unit: Consumer Business Sector / Credit Operations Group / Credit Acquisition Division

Location:  Ayala, Makati