Job Title: Credit Controller

Band: Team Player

Department: Collections

Reports to: Team Leader

Main purpose of job

To provide a highly effective collections function, thereby ensuring that, with the development and best use of business process and computer systems arrears are collected to their optimum potential.

The job holder reports to the Team Leader, Mortgage Arrears and is responsible for working accounts in arrears. Borrowers are contacted by a combination of telephone call, letter and home visit in order to protect the society’s position and recover / make arrangement for the payment of arrears.

A computerised arrears management system is utilised and this enables control to be maintained in respect of operating procedures, work allocation and the measurement of departmental performance. It is expected the job holder will have sufficient knowledge of this system to be able to identify the appropriate processing routines in order to obtain maximum
benefit.

The nature of the function encompasses tasks dealing with potential risk situations and it is therefore crucial to the success of the department that the jobholder quickly recognises these situations and deals with them appropriately and promptly.

It is necessary for the jobholder to have a working knowledge of relevant legislation together with a broad understanding of the society’s procedures. Furthermore, the job holder is expected to be aware of collection routines, well-versed with the Contact Plans and have a basic understanding of Possession Litigation in order to obtain the best possible results.

Key Accountabilities

• To work the caseload efficiently and effectively
• To be aware of potential risk situations
• To reach individual and departmental targets
• To maintain a good relationship with the society’s Mobile Counsellors to ensure the efficient exchange of information is sustained and that the best possible payment arrangement is therefore obtained
• To ensure the department’s Customer Service Standards are met and maintained
• To communicate effectively both verbally and in writing.
  

Internal and external relationships

Internal
Liaises at colleague and Team Leader level

External
Mortgage Counsellors / DMS / PSP / PDP

Responsibilities for Resources, Financial/Human/Physical

Ensure that the Society’s cash flow position is maximised and mitigate any potential loss on posession of a mortgaged property.

Qualifications Skills & Experience

• Previous collections experience preferred
• PC literate
• Able to communicate effectively both verbally and in writing
  

For more information on the above position please telephone the Human Resources department on: 0113 225 7654

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