Credit Control/Debt Management CV

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Jan 2010 to date

Financial Services

Customer Advisor

  • Started at the building as a Part Time Customer Advisor
  • Roles included handling transaction on the counter
  • Conducting financial reviews with new and existing customers, conducting telesales with existing customers and providing leads for the Financial Advisor
  • The company had an extensive range of products and services and it was the job of a Customer Service Advisor to establish that ‘need’ with the customer in order to refer them to the relevant qualified member of staff
  • The arrears that were discussing were: Mortgages, Life and over 50’s Insurance, Household Insurance, Funeral Planning, Will Writing Services and alternative investments
  • Gained more experience with the products, attended several courses through the building society to enable to be a qualified ‘seller’ of the following products:
  • Structured Investments (deposit accounts linked to the FTSE 100)
  • Will writing and funeral planning
  • Household insurance
  • Nominated Marketing and Structured Products Champion for the branch
  • Duties as Marketing Champion:
    • Ensure that all current products and services leaflets packs were kept up to date and fully compliant
    • Conduct training sessions to introduce the current campaigns
    • Ensure that all internal and external posters in the branch were correct and up to date
    • Organising customer open days to promote new products
    • Organising a ‘Branch Event’ at Timperley Fair
    • Supplying telesales lists to members of staff for the areas needed to focus on
  • Duties as Structured Products Champion:
    • Conducting training sessions for all structured products on offer to the authorised sellers
    • Providing lists of existing customers that have opened a structured product in the past in order to conduct telesales
    • Ensuring that all structured product literature is for the current issues
    • Ensuring that any structured product sales conducted has all the relevant paperwork completed and checked

Reason for leaving: Better position

May 2007 – Dec 2009

Financial Services

Secured Lending Advisor/Supervisor

  • Contacted clients that had recently failed a remortgage
  • Established a need for a secured load whether for consolidation or raising capital for home improvements
  • Conducted fact find with the client and collected all necessary information e.g. value of property, mortgage balance and household income etc
  • Passed the information to the underwriting team for a decision on the loan in question
  • Once received either the loan details or reason for being declined, contact the client to instruct of outcome
  • Were the client has been offered a loan, would be required to inform of all the details i.e. loan amount, interest rates and what would need to be consolidated where required
  • Making arrangements with the client for one of the Financial Advisors to come out to discuss the loan and potentially sign up the deal
  • Managing two Telesales and Call Filterers
  • Improving the productivity of the department by producing a training manual and early morning training sessions with new starters
  • Having daily meetings with management to discuss targets and ways of improving the department
  • Working and exceeding high targets as a team and an individual

Reason for leaving: Redundant

May 2005 – May 2007

Financial Services  

Financial Management Consultant

  • Role was similar to previous role, however took on more responsibility within the company assuming more of a Supervisor/Managers role
  • Assisting in training of new staff within the business
  • Identifying solutions to how to increase productivity throughout the business and discussing these with senior management
  • Maintaining a high level of customer service not just with own clients but also assisting with colleagues clients and handling complicated customer complaints efficiently and successfully
  • Working to high targets of £10,000 of first payments taken and increasing to £15,000 where possible

Reason for leaving: Company bought out and moved, wanted to work more locally

Feb 2004 – May 2005

Financial Services

Financial Management Consultant/Debt Management

  • Taking calls from in house telesales team for debt consolidation enquiries
  • Speaking to the potential client and obtaining in depth information with regards to their current financial situation
  • This includes outstanding loans, credit cards, store cards and any other outstanding credit
  • Running through an in-depth financial statement with the client, discussing their income and expenditure
  • After this stage, the information will enable to make a decision as to what is the best advice for the client with regards to their finances
  • If the client appears to be struggling with their current credit commitment and their debts meet the appropriate criteria, would recommend the clients to go into a Debt Management Programme
  • Explaining the advantages and disadvantages to the programme and overcoming and objections
  • Send a pack out to the client to gather information required to continue and set payment dates
  • Chase all clients that have not yet returned packs or made their first instalment to the programme
  • Taking card payments over the phone and have a proven track on hitting and exceeding £10,000 per month target in first payments
  • Managing own client base of around 50-70 new clients every month and ensuring they are happy with service and are fully aware of the next course of action

Reason for leaving: Head Hunted to above

Aug 2003 – Feb 2004

Financial Services

Reviews Advisor

  • Reviewing debt management files that are due there annual review
  • Contact all clients’ creditors for updated balances and interest status
  • Request for all interest and charges to be frozen where applicable
  • Contact clients and update on how the programme is progressing, inform of all up to date balances and interest status
  • Go through client’s full income and expenditure
  • Analyse information to see if debt management is still the best option or if a secured loan or remortgage would be beneficial for them

Reason for leaving: Closed Department

Jan 2003 – Aug 2003

Insurance Industry

Claims Coordinator/Team Leader

  • Contacting clients that have recently suffered an accident, complete an incident form to ascertain the severity of the injury
  • Run through the accident step by step with the client taking all details such as witness statements, incident reports and vehicle/company details
  • Advise the client of the full legal procedure when claiming compensation and any effect it may have on their employment
  • After completing a full claim form, sending a copy to the client to sign and return and a copy of a Solicitor to review how successful the claim may be
  • Promoted to Team Manager
  • Managing a team of eight Claims Co-ordinators handling attendance, performance and training issues

Reason for leaving: Closed Company

Jul 2002 – Jan 2003

Business Research

Telesales Agent

  • Cold calling to residential to advise of the benefits to switching their gas and electric to TXU Energi
  • Working to high targets
  • Being part of a ‘pilot team’ for genie mobile which won the marketing contract for the company
  • Training and assisting new starters

Reason for leaving: Better position

Mar 2001 – Jul 2002

Vehicle Industry

Accident Management Consultant

  • Managing the maintenance and damage of vehicle for several MOD bases around the UK
  • Arranging garages to undertake repairs on vehicles and ensuring courtesy cars are available
  • Obtaining regular updates on vehicles and relaying this to drivers
  • Authorising repair work to be completed on vehicles or replacement vehicles to be ordered
  • Visiting MOD bases to ensure a high level of service

Reason for leaving: To move out of vehicle industry

Sept 1998 – Mar 2002

Vehicle Industry

Service Reception Manager

  • Managing the day to day running of the reception
  • In charge of all marketing for the service department
  • Logging all invoices and ensuring payment
  • Booking appointments for repairs, services and MOT’s
  • Informing clients of any additional repairs on their vehicles and quoting necessary prices

Reason for leaving: Company closed

 

I was very impressed with Alexander Hancock’s recruitment services. I was invited into their offices for an interview and given the choice of two immediate vacancies, both of which sounded fabulous. Anneliese organised an interview straight away that week with one of the companies. During that week I received an amazing amount of support including interview technique. I even had a reminder call on the day of the interview. I then received update calls regarding company feedback and reaction after the interview-and when I got the job Anneliese was straight on the phone to give me the good news. The support didn’t end there… I have had calls to confirm that the contract is on its way and making sure I was happy with every thing. The service has been so friendly and supportive,I can’t thank Anneliese enough! I’ll definitely be recommending this agency to anyone who is looking for employment. (I am still waiting to hear from other agencies in Manchester that I signed on with!!)

Elizabeth