Credit Controller
Salary range
£32,000 – £37,000 FTE p.a.
37.5 hours per week
Usually 9am – 5pm
Location
187 Fog Lane, Burnage
Responsible to
CEO
Interacts with
Staff, Members, Directors, IT Supplier team, Stakeholders, General Public
This is an opportunity to work for a commuity credit union focused on the financial needs of our members.
We are looking for a candidate with a combination of interpersonal soft skills and technical financial competency.
A minumum of 3 years previous experience in credit control and/or finance is required.
This is a full time role paid at £32,000 – £37,000 FTE p.a. and based at Fog Lane within our team of ten staff.
If you are a people person, well organised and want to work somewhere you can make a difference , this could be the job for you .
To apply, send your CV and covering letter to our CEO Sheenagh Young . Or get in touch to find out more. sheenagh@smcreditunion.co.uk
We are accepting applications on a rolling basis and are looking for someone who can start soon.
Position Description
This is a role within the Finance Team with lead responsibility for Credit Control reporting directly to the
CEO.
Primary Objective
The Credit Controller leads on co-ordination and delivery of all debt recovery work.
This role will have daily contact with staff and members and will hold a balance of duties as required by the
current organisational needs.
This balance will change from time to time to enable development of staffability and business improvement.
Credit Control Lead
- Lead contact for Credit Control and co-ordination of all debt recovery work, both internal and external, taking appropriate action to remedy impaired loans and bad debt in accordance with the rules, policies and procedures of the Credit Union.
- Work with third parties to achieve collection of overdue accounts, monitoring, reporting and reviewing progress.
- Maintain proper and accurate records of all actions taken and ensure all internal accounts reconciled to reflect payments made.
- Supervise all aspects of credit control workflows and decision- making to ensure fairness and consistency of quality.
- Take care of paperwork and member data in line with data protection legislation.
- Ensure all control checks are carried out and opportunities for improvement acted upon to support implementation of best practice.
- Investigate complaints with regard to Credit Control and work towards resolution in line with Credit Union policy
- Co-ordinate with other lead roles at our Credit Union – in Lending & Member Service, Finance and Marketing – as required.
- Provide regular reporting on Credit Control performance to Management and the Board of Directors.
- Undertake regular reviews of existing systems and ensure that all legal and regulatory requirements are met alongside our rules, policy and procedures.
- Aid the CEO in ensuring Arrears Management Policies and Procedures are up to date.
- Aid the CEO in training and development of staff in Credit Control.
- Work with CEO on continuous improvement of processes and on system development opportunities.
- Represent our Credit Union at external events with sister Credit Unions or external stakeholders
Finance Team duties
- Maintain skills to cover core Finance functions in the absence of colleagues.
- Assist the CEO in maintaining strong financial controls for the organisation.
Requirements
General skills
Keep calm under pressure. Good communication. Respect all people. Good team working. Work in tune with Credit Union values.
Above average skills
Numeracy, English language – written and spoken, interpersonal skills, emotional intelligence.
Specific knowledge
Digital skills – Word, Excel, PowerPoint, Outlook diary management. Operating and problem solving in Customer Management software eg, CURTAINS by Sercle and XRS
Demonstrated ability
Strong skills in prioritisation and flexibility. Commitment to excellence. Interest in innovation. Self motivation and self management. Tact and discretion. Understanding of what makes an effective and well run credit union. Ability to work under pressure and meet deadlines.
Willingness to undergo a credit check and DBS chec
Education and Experience
- Minimum 3 years experience in Credit Control and/or Finance is required
- GCSE in Maths and English required . CICM qualifications encouraged.
- Experience working under own initiative is useful
Physical Demands
Desk based role , use of phone, use of display screen equipment, talking, listening, and occasional interaction with people experiencing high levels of stress.
Work Environment
- Office environment with access from general public when the front desk is open.
- Occasional work in evenings or at weekends may be required.
Main duties and responsibilities for all staff
- Fulfil role in a way which is in keeping with our Credit Union values
- Support the achievement of our Credit Union objectives
- Treat all members fairly and with respect
- Maintain a calm, professional and friendly manner
- Adhere to our Credit Union Confidentiality Pledge
- Follow our Tone of Voice Guide in all communications
- Follow our Credit Union rules, policies and procedures in all work
- Proactively contribute to continuous improvement
- Assist in investigating and correcting errors and complaints
- Take responsibility for own work
- Keep skills up to date and attend training and development opportunities
- Work alongside other staff, volunteers and directors to achieve required tasks
- Attend staff meetings
- Keep clear work flows and good team communication
- Provide cover for other Credit Union staff in their absence
- Produce statistics as required by the organisation
- Take pride in delivery of a high standard of work without unnecessary support
This job description is intended to convey information essential to understanding the scope of the job, the general nature and level of work performed by job holders within this job. It is not intended to be an exhaustive list of qualifications, skills, duties, responsibilities or working conditions associated with the position.
Vision, Mission and Values
Our Vision
To run a community credit union which is a significant asset to the people and the economy of South Manchester.
Our Mission
To provide a secure and professional service which encourages savings and offers loans to members. We are different because we:
- Run the credit union ourselves for everyone in our community
- Keep local money within our local economy
- Reach out to the people who need us most
- Work with financially vulnerable people to find financial wellbeing
- Focus particularly on our young people
- Behave in a welcoming and ethical way
Our Values
Must inspire the commitment of time and energy. They are our beliefs about what is important:
- Power
- Safe
- Wellbeing
- Strength
