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Job Survey: Credit Specialist

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Location: Canada
Company: Royal Bank Of Canada
Experience: Mid-level
Highest Level of Education: Other Graduate Degree



Job Responsibilities
I TAKE INCOMING CALLS FROM CLIENTS WITH REQUESTS FOR LOANS, MORTGAGES, VISAS, ETC. I DO AN APPLICATION FOR THEM OVER THE PHONE & DECISION THE APPLICATION WITH AN APPROVAL OR A DECLINE. THE APPLICATION IS DONE COMPLETELY ON MY COMPUTER.
Job Requirements
A HIGH SCHOOL DIPLOMA IS REQUIRED AS WELL AS A COLLEGE EDUCATION AND/OR 3 YEARS EQUIVALENT WORK EXPERIENCE IN A SIMILAR FIELD.
Uppers
WE RECEIVE QUARTERLY BONUSES AS WELL AS A YEAR END BONUS BASED ON THE AMOUNT OF LOANS, MORTGAGES, VISAS, ETC THAT HAVE CLOSED.
Downers
HAVING TO TELL CLIENTS THAT THEY DO NOT QUALIFY FOR CREDIT & NOT BEING ABLE TO HELP THEM OUT OF A ROUGH POSITION
Lifestyle
THIS IS A 24 HOUR CALL CENTER FOR INBOUND CALLS. WE ARE OPEN 7 DAYS/WEEK. THE CENTER NEVER, EVER CLOSES SO ANY HOURS YOU CAN IMAGINE ARE AVAILABLE. INCLUDING CONDENSED SHIFTS ( 10 HR DAYS, 4 DAYS PER WEEK). FULL TIME, PART TIME & CASUAL POSITIONS ARE AVAILABLE, AS WELL AS JOB-SHARING POSITIONS. THE DRESS CODE IS BUSINESS-CASUAL & FRIDAYS, SATURDAYS & SUNDAYS ARE CASUAL (JEANS, ETC). OUR CENTER IS EXTREMELY DIVERSE AS WELL AS QUITE SOCIAL WITH TEAM ACTIVITIES GOING ON BOTH AT WORK & OUTSIDE OF WORK (XMAS PARTIES, DINNERS, BOWLING, MOVIES, ETC). EVERY YEAR WE HAVE THE ROYAL BANK "GALA" IN OCTOBER. IT IS A HUGE EVENT HELD IN THE CONVENTION CENTER HERE IN WINNIPEG. 12 CRUISES ARE GIVEN AWAY ON THIS EVENING TO EMPLOYEES WHO HAVE GONE ABOVE & BEYOND THE CALL OF DUTY, CONSISTENTLY THROUGHOUT THE YEAR. THERE IS A FORMAL DINNER & DANCE & MANY OTHER AWARDS & PRIZES HANDED OUT. BASICALLY IT IS OUR AWARDS BANQUET.
Compensation
BASE SALARY IS ABOUT $28000 (CANADIAN) PER YEAR. WITH QUARTERLY & A YEARLY BONUS BASED ON THE AMOUNT OF CREDIT PRODUCTS THAT YOU HAVE APPROVED & THAT HAVE CLOSED. WE HAVE REESOP STOCK OPTIONS & ROYAL BANK MATCHES WHAT THE EMPLOYEE CONTRIBUTES. FULL BENEFITS ARE OFFERED. INCLUDING HEALTH & DRUG, VISION, DENTAL, DISABILITY & LIFE INSURANCE.
Advice to Jobseekers
THIS IS A WONDERFUL COMPANY TO WORK FOR WITH LOTS OF ROOM FOR ADVANCEMENT. THINGS ARE CONSTANTLY CHANGING HERE TO KEEP UP WITH TECHNOLOGY & THE DEMANDS OF THE FUTURE. YOU MUST BE QUITE A FLEXIBLE PERSON & WILLING TO ACCEPT CHANGE & WANT TO BE CONSTANTLY LEARNING & CHALLENGED ON A DAILY BASIS.

This Credit Specialist career survey is just one of 1000s of exclusive career surveys available on Vault. Find out what it's actually like on the job with Vault's job surveys.

Read all Vault Career Surveys for the inside scoop on specific jobs
Read Vault Employee Surveys for the inside scoop on specific employers
Read Vault Student/Alumni Surveys for the inside scoop on colleges and grad schools