Credit professional
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Experienced and flexible professional. An individual who learns quickly and adapts easily to changing situations. Through my extensive professional experiences in demanding and busy working environments, I have gained excellent communication skills, the ability to work well under pressure, problem solve and take on additional responsibilities outside my contracted role.
I am a friendly, hardworking individual, who is highly motivated and relishes working in a challenging environment. I work well within a team or as an individual. I am looking to grow my career with a new challenge and where I can learn new proficiencies and develop my existing skills further.
Shadow Board Member (April 2020 – Feb 2022):
§ Understand the complexity of the Energy Contest and how we generate value in a constantly changing regulatory landscape.
§ Contributing to decisions and plans in support of the business strategy and provide unique and varied input.
§ Review and evaluate present and future opportunities/projects, threats and risks in the external environment with consideration towards the customer business.
§ Critically analyze current strategic plans while providing diversity of thought and opinion and challenging the Executive Committee Board Of Directors.
§ Presenting
Credit Risk Executive (May 2018 – Feb 2022):
§ Credit risk insurance applications for MBS businesses
§ Supervisor and trainer to underwriters for SME businesses with a sign off level of up to £499,999
§ Assisting management with creating a credit risk scoring model to be embedded into the companies new system
§ Conducting credit checks using Experian
§ Ratio analysis
§ Consumption reporting
§ Escalations raised to senior management for credit recommendations and security options (SME and MBS)
§ Leading management update meetings
§ Training colleagues on insurance processes and systems
§ Process improvement
§ Working with internal stakeholders to optimise sales numbers and customer satisfaction
§ Ensuring credit risk and insurance policies are compliant
Portfolio Collections (June 2017 – May 2018):
§ Debt Management and Collections of high-risk customers and sectors
§ Improving the collection and dunning procedure
§ Training new starters
§ Customer service
Credit and Commercial Coordinator (September 2016 – May 2017):
§ Analyze credit data and financial information to determine the degree of risk involved in extending credit to international markets
§ Conducting credit checks using D & B and Creditsafe
§ Making credit decisions on UK accounts (part credit, full credit, proforma)
§ Monthly reporting on credit exposure and aged debts, including KPI reporting
§ National Statistics returns
§ Customer qualification and portal questionnaires
§ Insurance requests, Trade references
§ Basic contract terms & conditions checks, including confidentiality agreements and code of conduct agreements
§ Over 5K order sign off
§ Letter of credit presentations
§ Opening new credit accounts within defined processes and group company policies
§ Raising credit notes and manual invoices
§ Unallocated cash management, account reconciliations
§ Sales ledger refund requests
§ Proforma account management
§ Key account credit control & relationship building
§ Pre -litigation and UK litigation process, including liquidation
§ Card payments, issuing overdue/stop letters
§ Conducting statement runs
§ Issuing final notices within defined processes. Passing court action files to commercial manager
§ Performing any other duties or projects as requested by the Commercial Manager or Finance Director
Credit Assessment (January 2016 – July 2016):
§ Conducting credit checks using Experian and Equifax for ltd and non ltd companies
§ Reducing the financial risk to the business
§ Analysis of various documents and information to determine trends and credit worthiness
§ Taking inbound sales calls and providing credit advice and answering credit related queries
§ Dealing with complicated billing queries
§ Negotiating with sales teams on credit terms and credit limits (pre-pay, full credit, part credit, no credit)
§ Training
§ Managing a team of 8 people when setting up the new credit control department
§ Process implementations
§ Reviewing ltd businesses that have failed credit checks to see how we can still take them on as clients
§ Recognise and intercept fraudulent applications
§ Ad-hoc tasks
§ Ensuring business credit risk policies are complaint
Service Finance Executive (March 2013 – January 2016):
§ Taking both inbound and making outbound calls
§ Ensure the compliance of data protection is met with all accounts.
§ Dealing with customers billing enquiries at an advanced level
§ Negotiating with customers to maximize recoveries
§ Collection of defaulted customer accounts
§ Dealing with customer complaints
§ Training new staff members
§ Using internal company software (sap) at a high level, Microsoft Outlook, Bliss (Lotus
§ Producing ad hoc statements/emails for customers
§ Subbing to line manager
Chartered Institute of Credit Management ( level 3) § Trade Credit Management
§ Business Environment
§ Accounting Principles
§ Business Law (currently studying)
