Find out the top 10 core skills you need to master as a credit adjustment clerk and what hard skills you need to know to succeed in this job.
A Credit Adjustment Clerk is responsible for receiving complaints and negotiating with unhappy or unsatisfied customers directly through the telephone to resolve their inquiries that are bank and credit card, retail or wholesale purchases and insurance related.
Other important tasks include establishing credit limit while considering factors like applicant's assets, credit experience, personal references that are based on predetermined standards, calls or writes to credit bureaus, employers, personal references to check credit and personal references, processing applications for individuals who are applying for loans and credit, interviewing applicants who need to obtain personal and financial data and filling out the applications, notifying customers by email, phone or in person the acceptance or rejection of their request, sending forms, letters and brochures to solicit business from prospective clients.
Core Skills Required to be a Credit Adjustment Clerk
Core skills describe a set of non-technical abilities, knowledge, and understanding that form the basis for successful participation in the workplace. Core skills enable employees to efficiently and professionally navigate the world of work and interact with others, as well as adapt and think critically to solve problems.
Core skills are often tagged onto job descriptions to find or attract employees with specific essential core values that enable the company to remain competitive, build relationships, and improve productivity.
A credit adjustment clerk should master the following 10 core skills to fulfill her job properly.
Verbal Communication:
Verbal Communication is the use of tones and language to relay a message; it aids as a vehicle for expressing ideas, concepts and it, is critical to the daily running of the business.
A Credit Adjustment Clerk portrays his/her image and that of the company by the way he/she communicates; strong verbal communication skills are vital for business development and forging lasting relationships with customers, suppliers, and colleagues.
Teamwork Skills:
Teamwork is the process of collaboratively working with a group of people with an aim to achieve a set goal within a business ensuring that the staff and management cooperate using their skills and provide constructive feedback.
A Credit Adjustment Clerk needs to exercise effectiveness and understanding in creating teamwork using the right techniques in an environment of trust and cooperation with the aim of increasing productivity, higher morale, and a fulfilled workforce.
Motivating others:
Motivating is using persuasion, incentives and mental or physical stimulants to influence the way people think or behave individually or in groups.
A Credit Adjustment Clerk ought to learn how to tap into the employee's enthusiasm as well as motivate the staff not just with money but with a motivation that comes through the daily relationship with each employee and creating an environment that fosters employee engagement and motivation.
Planning and Scheduling:
Planning and Scheduling are the act of establishing a plan for a set of tasks that needs to be completed and including when they should be done.
A Credit Adjustment Clerk needs creativity in balancing both planning and scheduling by clearing defining what and how activities will be carried out by when and who in particular to ensure there are a clear flow and accountability to every staff.
Appraisal and Evaluation Skills:
Appraisal and Evaluation Skills are services that allow employers to assess their employees? contributions to the organization for the period they have been working with them.
A Credit Adjustment Clerk must creatively develop a robust evaluation process that includes the standard evaluation form, approved performance measures, guidelines for presenting feedback and disciplinary procedures to promote staff recognition and rewarding following a fair assessment and appraisal process.
Appearance and Grooming:
Appearance and Grooming are the way one presents themselves in a professional environment or the workplace with the aim of gaining positive impression and respect as well.
A Credit Adjustment Clerk must be an example in proper grooming and professional appearance while ensuring all the workmates adhere to the basic guidelines presented for good grooming in the workplace that represents the company wherever they go.
Dedication to Work:
Dedication to Work is a devotion or setting aside the scheduled time that you are required to work each day consistently without fail as well as being on time and giving 100% of your efforts to doing quality work.
A Credit Adjustment Clerk ought to be dependable and set an example for the rest of the workforce by showing up for work on time every day consistently and producing quality work while applying company policies and business strategies.
Enjoyment of the Job:
Enjoyment of the Job is the ability to enjoy what you do rather than enjoying what you earn from it.
A Credit Adjustment Clerk needs to creatively learn of ways to motivate his employees to benefit from the workplace by matching their personality to the culture of the organization where they fit best and allowing them to explore their hidden talents to grow and mature with the team.
Personal Relationships:
Personal Relationships is the relationship between individuals who have or have had a continuing relationship of any nature either professional or informal.
A Credit Adjustment Clerk reserves the right to take prompt action if an actual or potential conflict of interest arises concerning individuals who engage in a personal relationship that may affect terms and conditions of employment and he should not also date a subordinate.
Customer Service:
Customer Service is the ability to cater for the needs of the client by providing excellent customer service without compromise.
A Credit Adjustment Clerk must understand that pleasing customers is directly connected to the success of the business, therefore, must create a superior customer experience culture in the company that every employee should follow in ensuring all the customers are treated as they should.
Hard Skills Required to be a Credit Adjustment Clerk
Hard skills are job-specific skill sets, or expertise, that are teachable and whose presence can be tested through exams. While core skills are more difficult to quantify and less tangible, hard skills are quantifiable and more defined.
Hard skills are usually listed on an applicant's resume to help recruiters know the applicant's qualifications for the applied position. A recruiter, therefore, needs to review the applicant's resume and education to find out if he/she has the knowledge necessary to get the job done.
A credit adjustment clerk should have a good command of the following hard skills to succeed in her job.