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What We Do

At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.

Who We Are

CardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans.  We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees.

Merrick Bank is an FDIC-insured Utah Industrial Loan Bank.  Merrick operates three main business lines:  credit cards, recreational lending, and merchant services.

Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.

Essential Functions:

·         Responsible for UCC-1 and titling fees check requests.

·         Understands how to and makes regular appropriate updates to the system of record (Fiserv) as accounts are worked.

·         Assisting with mail, documenting the titles, is able to scan titles and contracts received via mail and save them to both the customer's online file as well as physical file.

·         Understands how to and can file physical titles in designated filing cabinets alphabetically.

·         Maintains complete knowledge of all state required filing forms are funded.

·         Ensures dealership and title information is continually updated, as worked, on any system of record or tracking tools (spreadsheets, workbooks, etc…).

·         Ensures proper lien perfection by tracking titles and UCC-1s through the appropriate state agencies.

·         Is able to pull weekly Tardis “Outstanding Title” report and update outstanding title workbook accordingly.

·         Using the Previous Day Boarding Report and the web director report, audit the new loans (New Note Audit) for accuracy, UCC and FL doc stamp requirements as needed.

·         Addresses Title Team related email received from customers, addressing questions about their loan/title and making a return contact.

·         Reviews "unmatched" Vintek report and matches e-titles to customer's account. 

·         Supports level II and Sr. Specialists as assigned by leadership

·         Fulfills other tasks and functions as assigned by leadership

Compliance with Laws & Regulations: 

·         Responsible for complying with all of the Bank’s internal control policies and procedures.

·         Responsible for understanding and complying with all laws and regulations to which the Bank is subject.

·         Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.

Education and Experience:

·         High School Diploma is required.

·         One (1) year work experience is preferred.

Summary of Qualifications:

·         Working knowledge of title/lien perfection operations is preferred, but not required.

·         Knowledge of federal and state collection, banking, lending and bankruptcy laws and regulations for the non-prime credit segment.

·         Experience and demonstrated skill with Microsoft Office Suite (Word, Excel, etc…), e-mail, and database software.

·         Ability to solve practical problems and deal with a variety of concrete variables. 

·         Ability to work effectively under pressure.  Skilled at handling a variety of assignments simultaneously.  Flexibility with a willingness to work at a rapid pace within strict time frames.

·         Communicates effectively both orally and in writing, including negotiation skills; presents ideas in a clear, concise, understandable, and organized manner.

·         Effective planning, organization, time management, and problem solving skills. High level of accountability for work with limited supervision.  High degree of accuracy and trust are required.

·         Completes all Essential Functions with a professional demeanor.

·         Willingness and ability to engage in continuing education in support of the business.

·         Consistent demonstration of the company’s C.R.I.T.I.C.A.L. values

Work Environment/Physical Demands: Light

The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. 

This is largely a sedentary role; however, some filing is required. This would require the ability to lift files, open filing cabinets and bend or stand on a stool as necessary.

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Our Employee Value Proposition

• Competitive Pay, including a Bonus Target or Variable Pay Incentive Program 
• Benefits Package -Medical, Dental, and Vision (plus much more) 
• 401(k) Plan with Company Match 
• Short- & Long-Term Disability 
• Wellness Programs 
• Group Life and AD&D Insurance 
• Paid Vacation, Sick Days and bank Holidays 
• Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition

We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite.  Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.

We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic.  We will conduct a thorough background check for all hires in compliance with applicable laws.