Credit Control Officer
Job in
Rochdale, Greater Manchester, OL16, England, UK
Listing for:
inploi
Full Time
position
Listed on 2026-01-20
Job specializations:
-
Finance & Banking
Financial Manager, Risk Manager/Analyst, Financial Compliance, Financial Consultant
Job Description & How to Apply Below
Purpose of the role
Credit Control
To manage the delinquent loan portfolio, and assist the Finance Manager in monitoring and analysing trends in delinquency and improving procedures. This postholder will be expected to take control of delinquency in order to minimise bad debt and maximise debt recovery.
Key Responsibilities General
Dealing with members face to face, over the telephone and via email in a polite and friendly manner ensuring good communication and first-class customer service.To update the system with detailed notes of interaction with a member ensuring they are accurate and up to date.To carry out electronic and paper filing, making sure that filing is completed accurately, efficiently and timely.Assisting with mailings and other projects as and when required to support others in the team.Accurately carry out transactions for members in order to maintain our high quality service at all times.Deal with member complaints in line with agreed procedures.Assist the Finance Manager where required to carry out any general duties to ensure the smooth running of the Office.Uphold the values, ethics & service levels of the Credit Union.Credit Control
To undertake all procedures necessary under the guidance of the Finance Manager, in order to minimise bad debts. The ability to question and negotiate with members over the phone, face to face and via letter and email.To take legal action when required, skilfully balancing the needs of the member whilst protecting the position of the Credit Union.Maintain the Credit Control Diary, ensuring it is accurate and up to date.Assist the Finance Manager in analysing the bad debt portfolio for trends, or areas of weakness in the credit control procedures, and recommend changes to procedures.Train and upskill other members of staff to be aware of issues which cause a member to default.Maintain detailed figures, and report on a monthly basis to the Finance Manager and Board, and be the key contact on all aspects of debt recovery.To maximise the recovery of former delinquent accounts and improve the levels of recovery where possible.To keep up to date with current debt recovery legislation and regulation to ensure work is completed in a compliant manner, ensuring that all necessary documentation is maintained and prescribed timescales are adhered to.Be aware of the business growth targets of the Credit Union and fully aware of the Lending Policy, risk appetite and parameters set by The Board.Have a working knowledge of other roles in the office in order to provide adequate cover and business continuity at all time.Person Specification
Competencies required for the role
Credit Control
This role is customer focused, requiring effective communication, negotiation and influencing skills, ensuring that the needs of the member in financial difficulty are responded to in a professional and empathetic manner, whilst protecting the position of the Credit Union.
The role involves dealing with members’ arrears cases, calls and enquiries, and maintaining accurate and up to date records and information. The role also involves establishing and maintaining individual arrears management strategies whilst analysing overall delinquency to assist the Finance Manager to initiate improvements in procedures and best practice.
Essential qualities
- Openness to change – Understands need for change and is willing to adapt to it. Is flexible and prepared to try out new ideas.
- Personal Responsibility – Takes personal responsibility for own actions and for sorting out issues or problems that arise. Is focussed on achieving results to required standards and developing skills and knowledge.
- Customer Focus – Provides a high level of customer service, and maintains contact with customers, works out what they need and responds to them. Is aware of issues of diversity, and understands and is sensitive to cultural and racial differences.
- Effective Communication – Communicates all needs, instructions and decisions clearly. Adapts the style of communication to meet the needs of the audience. Asks probing questions to check understanding.
- Negotiating and Influencing – Uses logic and reason to influence…
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