Job Application

Job Title: Credit Executive
Role Type: Hybrid 2 days on site
Work Location: Belfast. BT1 6FB
Shift type: Mon-Friday
Duration: Till 4th October 2024 - possible extension.

Dimensions:

• Financial and Complexity
• Annual trade debtors of €900m across the team.
• 8,000 customers across the team.
• Each credit executive is responsible for either approximately 1,500 customers with monthly debt of up to €8m or approximately 350 Customers with monthly debt of up to €15m.

Leadership Responsibilities

• Be authentic - build great relationships across the client Ireland business at all levels
• Find Solutions - Be imaginative in finding solutions to issues.
• Connect to the client Purpose - Show pride in client; act as a positive representative of the company and our reputation.
• Consistently Deliver Great Performance - Identify clear priorities and focus on them at all times.
• Demonstrate brilliant execution.
• Understand the controls and governance required in your area.
• Grow Yourself - Develop and apply self-awareness. Grow your capability & experience.

Purpose of Role

• Pro-active debt management to maximise cash conversion.
• Actively minimise risk using external financial tools and rigorous review.
• Develop collaborative relationships with commercial teams
• Deliver against agreed credit KPIs which underpin the strategy
• Ensure the accuracy and completeness of customer master data used to support debt management, accurate financial reporting and any necessary recovery processes.
• Compliance relating to credit policy - CARM/AML policies and other regulatory aspects

Top 3-5 Accountabilities
Own end to end account management of mid or high risk customers in accordance with the credit policy. This includes:

• Decide and set credit terms and credit limits for each customer
• Regularly review data integrity and payment performance, correcting if required
• When necessary recommend risk categorisation and credit options

Responsible for minimising the risk of debt by:

• Prompt follow up of failed or missed payments on a daily basis
• Negotiate repayment plans with customer if overdue debt arises, and subsequent review of payments
• Apply course corrective action when needed
• Create and pro-active manage risk based watch lists
• Correspond with customers with overdue debt, rapid follow up to ensure maximum monies recovered
• Comply with all legislative and policy requirements, where appropriate drive simplification to processes.
• Timely response regarding queries received from commercial and customers via incoming calls/emails.

Qualifications and Experience Required
Qualifications

• Leaving Certificate or 5 GCSE grade A-C including Maths and English
• A post leaving qualification in a business related or Credit Discipline would be advantageous.

Experience

• Proven ability to deliver under time pressure is particularly important.
• At least 3 years Credit Control experience with high volume of customers
• Proven ability to deliver consistent high quality results in a target driven environment.
• Be assertive in all situations.
• Computer literacy is necessary - knowledge of Sap/Client (or equivalent) and intermediate Excel/Word are essential