Job Summary:

• Design, direct & implement the credit collection workflow as per the policy and process.
• Identify delinquent accounts, taking direct collections action ensuring an acceptable level of risk is maintained & losses are kept to a minimum.
• Resolve and support in solving complicated collection cases.
• Establish & manage direct communication channels with retailers & wholesalers.
• Issue monthly statements, addressing customer claims ensuring daily monitoring and closing cases.
• Manage the overall cost of operations. 
• Keeping the balance between providing an outstanding customer experience and controlling the cost of managing accounts.
• Identify enhancement and streamlining opportunities for Credit Operations processes.
• Become intimately familiar with the regulatory environment and ensure compliance at all times.
• Support and develop team, enabling them to be their best and developing future Team Leaders.
• Manage third party relationships e.g Debt Collection Agencies.
• Be accountable for the day-to-day operation of the team, including ensuring the team has the right support and dealing with complex escalations
• Work with the technology team to scope and refine future system enhancements to deliver better functionality to customers or improve credit performance

Skills on Resume:

• Credit Management (Hard Skills)
• Risk Mitigation (Hard Skills)
• Case Resolution (Soft Skills)
• Customer Communication (Soft Skills)
• Compliance Oversight (Hard Skills)
• Cost Control (Hard Skills)
• Process Improvement (Hard Skills)
• Team Leadership (Soft Skills)

Job Summary:

• Monitoring and reporting the performance of the team against agreed standards with oversight of all loan servicing processes
• Manage a highly skilled team to deliver a professional image of Triodos to Business Banking customers and their advisers
• Identification of any bottlenecks to team performance, including planning and implementation of changes required to address these
• Maintaining an overview of the production and checking of standard and bespoke loan agreements to ensure their legal, regulatory, and operational efficacy throughout
• Ensuring the team provides the necessary range of accurate and timely reports on the loan portfolio including regulatory reporting on forbearance, arrears management, repayments, covenant monitoring and vulnerable customers
• Administrate all existing or new BB lending (both standard and bespoke loans including project finance facilities and syndicated lending activity) 
• Delivering loans to point of payout, ensuring that all formalities have been completed, including managing the perfection of security for new and existing facilities
• Delivering the pay-out and post pay-out administration of all Business Banking lending 
• Ensuring the team manage the servicing and maintenance of the Bank’s loan book on an ongoing basis including the issue of Letters of Waiver, Variation and Consent, to deliver effective credit administration on an ongoing basis
• Managing a programme of continuous improvement within the team to create efficient and effective operations for both the T&S team and wider Business Banking department

Skills on Resume:

• Team Performance Monitoring (Hard Skills)
• Loan Servicing Oversight (Hard Skills)
• Team Management (Soft Skills)
• Bottleneck Identification (Soft Skills)
• Regulatory Compliance (Hard Skills)
• Loan Administration (Hard Skills)
• Credit Administration (Hard Skills)
• Continuous Improvement (Soft Skills)

Job Summary:

• Contribute to strategic direction of the department, including implementation of any process, training, or technical activities required within T&S team to achieve business objectives
• Working with the Business Banking Analyst to streamline operational reporting processes which are managed within T&S team
• Critically appraise the current procedures and practices of the bank as they relate to the T&S team and drive change to optimise ways of working.
• Participate in cross functional project teams to implement changes within Business Lending, including within cross-country domain meetings
• Act in an advisory capacity to other members of the Business Banking team
• Ensure data integrity of all lending and security information held on TBUK banking systems in line with all regulatory guidelines, including BASEL, CRR, etc.
• Ensure CDD and OCDD are undertaken for BB Lending customers in accordance with TBUK Internal Regulations
• Ensure effective control and monitoring systems always exist and that the Bank’s working procedures are complied with by the team.
• Ensure that internal controls and governance are adhered to and followed and be able to demonstrate adherence to these by keeping appropriate records

Skills on Resume:

• Strategic Planning (Soft Skills)
• Process Improvement (Hard Skills)
• Team Collaboration (Soft Skills)
• Advisory Role (Soft Skills)
• Data Management (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Control Systems (Hard Skills)
• Governance Compliance (Hard Skills)

Job Summary:

• Act as the key member of the lending business and play a significant part in the development and growth of the business
• Overall responsibility for the operational management
• Maintain appropriate delegated authority framework and local limits
• Strong oversight and management of customers who have fallen into arrears, seeking amicable solutions wherever possible and ensuring efficient risk management
• Ensuring all activities are conducted in compliance with all applicable regulations and responsible lending policies
• Oversight and participation in credit decisions as per the credit decision framework
• Support the team by working in conjunction with the general manager and responsible lenders with business development
• Provide insight, and oversight over the implementation of compliance framework and operating model
• Provide guidance on uplifting Compliance Risk Management practices
• Develop and manage strong divisional relationships with business partners
• Support change and continuous improvements within team to assist in achieving strategic priorities and business goals

Skills on Resume:

• Lending Business Growth (Soft Skills)
• Operational Management (Hard Skills)
• Authority Management (Hard Skills)
• Arrears Oversight (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Credit Decisioning (Hard Skills)
• Business Development Support (Soft Skills)
• Compliance Guidance (Hard Skills)

Job Summary:

• Direct, supervise and provide staff development for Credit Operations Team personnel.
• Develop and standardize written policy documentation related to the credit processes and perform training on all new policies and procedures.
• Assist the IT & Credit Administration Teams in the QA testing of new parameters added to the internal decision matrix.
• Utilize a high degree of independence in solving problems and making decisions. Work within established lending authorities. 
• Ensure duties are carried out in an efficient and cost effective manner. 
• Efforts focused on achieving maximum customer service.
• Review loan applications in accordance with established underwriting guidelines and policies, while performing a thorough investigation of credit information from credit reporting agencies and other sources to determine each applicant’s credit worthiness.
• Assist Manager of Credit Operations in coordinating staff for coverage in all related areas of the Credit Operations Team.
• Assist in the training of all new policies and procedures for the Credit Operations Team as well as communicate key changes to all appropriate departments and their team members.
• Assist the Credit Operations Manager with analysis functions to strengthen product lines and streamline processes within the department while meeting service loan agreement standards.
• Monitor daily operation levels using dashboards within the phone system as well as Sales Force to make sure excellent productivity and service levels are achieved.
• Initiate performance improvement and quality reviews with Credit Analysts.
• Create and maintain effective communication with the Credit Management team and other teams to provide feedback, contribute to development and improve business processes to strengthen overall Customer support effort.
• Resolve all escalated credit issues for internal and external Customer issues.

Skills on Resume:

• Staff Supervision (Soft Skills)
• Policy Development (Hard Skills)
• QA Testing Support (Hard Skills)
• Independent Decision-Making (Soft Skills)
• Customer Service Focus (Soft Skills)
• Loan Application Review (Hard Skills)
• Process Streamlining (Hard Skills)
• Issue Resolution (Soft Skills)