Location: Onsite Clane - also possibility for Coill Dubh, Co. Kildare (Flexibility to travel to other sites required)
Reporting to: Member Experience Lead
Hour of Work: Full Time (36.25 hrs.)
Days of Work: Monday to Saturday (working 5 out of 6 days)
(Saturday work on a rota basis)
Senior Credit & Collections Officer:
The Senior Credit & Collections Control Officer is responsible for the progressive implementation of Croi Laighean Credit Unions Credit Control Policy and procedures. This role involves liaising with external agencies and supporting internal teams to ensure prompt and fair debt recovery.
As a control function, this role is accountable for ensuring that the relevant Individual Accountability Framework responsibilities are met, in line with regulatory requirements.
Key Responsibilities:
* Actively participate in the set up of a Credit & Collections department within CLCU.
* Advise & guide on systems and processes necessary for success.
* Oversee and manage loan arrears and collections, ensuring timely responses to delinquent accounts.
* Communicate with members to discuss repayment options, maintaining a respectful and fair approach, and tailoring solutions based on individual circumstances.
* Coordinate with outsourced agencies and monitor outsourced activities to ensure compliance with CLCU guidelines.
* Provide monthly credit control reports and prepare summaries for the Credit Control Committee and/or Board of Directors.
* Assist in the preparation and submission of reports for quarterly Loan Book Reviews, detailing arrears, rescheduled loans, and related performance metrics.
* Support processes for personal insolvency cases, including liaising with Personal Insolvency Practitioners and preparing related reports.
* Ensure data protection standards are met, maintaining member confidentiality in all credit control activities.
* Participate in regular credit control internal/external audits and policy reviews.
* Liaise with all other CLCU departments to ensure that the team have the necessary tools, skills and processes to be successful in their role(s).
Role Requirements:
* A minimum of 5 years consumer/commercial credit control experience, preferably in Financial Services or a similar industry.
* Qualified/part-qualified in a relevant business/financial qualification desirable, along with QFA/APA Loans or working towards these.
* Previous Mortgage Arrears Resolution Process (MARP) knowledge and experience beneficial.
* Detail orientated and organised, with strong numeracy and analytical skills.
* Possess excellent administration and report writing skills.
* Motivated to work in a fast-paced environment, with accuracy and personal accountability.
* Excellent verbal and written communication skills, with the ability to influence others.
* Approachable and friendly, with good teamwork and collaboration.
* Proficient in Microsoft Word, Excel, and Outlook applications.
* Promote a culture that reflects the credit union’s values and encourages good performance and excellent member services.
* Experience working through core banking and collection systems.
Key Competencies:
* Act with Integrity
* Collaborate
* Timely Results
* Inspires & Motivates
* Organise & Plan
* Nurture the Business
Job Types: Full-time, Permanent, Fixed term
Contract length: 12 months
Benefits:
* Additional leave
* Bike to work scheme
* Company pension
* Employee assistance program
* On-site parking
* Sick pay
Schedule:
* Weekend availability
Application question(s):
* Please confirm Salary Expectations for the Role.
* Do you hold a QFA qualification or are you willing to pursue in the future?
Work authorisation:
* Ireland (required)
Work Location: In person
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