Credit Officer

We would love to welcome you to our Crewe office, whether you're at the start of your career or looking for your next challenge. Whilst experience in a credit or risk management role may be an advantage, the right attitude is the most important quality. We are keen to hear from you whatever stage you are at in your credit career.
 

What would your day to day look like? 

• New application processing involving the gathering of key information to ensure we are making sound, well informed, judgemental decisions. 
• Drive and determination to ensure delivery of all agreed individual KPI’s: Ensure individual delivery of agreed service standards for the Vetting operations - Percentage of final stated decisions within 1-2 days - Decisions per day. 
• Number of pended applications (within Credit control). 
• Identify opportunities to innovate (systems and processes) to improve risk mitigation, approval rate or productivity.  
• Developing and maintaining good relationships with key stakeholders across the business. 
   

Departmental and Business integration 

• Actively engage in relevant and appropriate opportunities for cross-department working to build relationships & share knowledge. 
• Participate in meetings and projects with wider credit team to continually improve department performance. 
• Use exposure to different areas of credit and businesses / products to share good ideas and approaches across the team and improve the processes and systems as a result. 

Individual Management 

• Manage individual performance to achieve credit underwriting standards. 
• Manage credit underwriting to ensure Dept SLAs are maintained.  
• Keep accurate and complete records of all cases underwritten within systems. 
• Escalation of accounts and issues as required. 
• Manage the Account Managers expectations to minimize escalated calls. 
• Assist the overall Credit Dept in managing bad debt charge by ensuring detailed underwriting and risk is completed.