Aimee Willow Connex

Credit Controller Chelmsford Full Time- Office Based General Responsibility Working within the Operations Department, providing support to the Client Management teams for proactive management of a portfolio of clients. To deliver exceptional Client service, maintain internal and Client relationships, and effectively identify any risks to prevent loss of income and reputation to our business. Responsibilities- Credit Control: • To deliver and maintain proactive and effective collections processes, whilst delivering excellent service to the Clients. • To ensure collection and follow-up calls are made within agreed timescales. • To ensure adequate levels of verification are maintained on the Client's Ledgers at all times. • To record and maintain up-to-date debtor contact details • To record and maintain the debtor diary and collection notes on the operating system. • To assist the data processing team by obtaining remittance advice and allocation details for expected debtor receipts. • To identify any sales ledger queries and work closely with the Client Management teams to ensure that Clients resolve disputes quickly and are aware of any difficult recovery situations that may require legal action. • Maintaining first-class Client relationships, ensuring that excellent levels of service are delivered so that the Client Satisfaction levels remain high. • To make recommendations on how the Credit Control function can be improved/enhanced. Risk Management: •To ensure the security of funds at all times, minimising client losses and bad debts. • To work closely with the Client Management teams in reviewing and scrutinising debt collectability and recoverability daily. • To provide regular feedback to the Client Management teams about any debt issues that may impact upon security or client retention. Maximise Income: To identify and introduce new business opportunities where appropriate. Internal Customers: To work closely with all other Departments to ensure that the Operations department runs in an efficient and professional way at all times. Any issues or concerns should be escalated to senior management immediately. To provide staff training where appropriate.

The Role: You will be joining an experienced bridging and development team. Our aim as a team is to put the customer at the heart of everything we do. You will own the customer journey from application to redemption. You will deliver exceptional service, working closely with internal departments and directors to make fair and responsible credit decisions based on customer information swiftly and diligently. We pride ourselves on speed, accuracy, service, and a can-do attitude. You will work in sync with the BDM team to find the right solution and to work to progress each case smoothly. The collaboration of these two teams is essential to maintain the service and outcomes we pride ourselves in. Skills: Analytical skills. Able to problem solve. To utilise skills and knowledge to determine ways in which an application would be acceptable for lending. Strong attention to detail with excellent numeracy and ability to identify risks at an early stage. Excellent written and verbal communication skills. Creative thinker and willing to work in an agile growing company. To remain calm under pressure and work to strict deadlines. Strong customer service, planning, organisational Excellent time management skills Ability to deal with multiple priorities and meet deadlines. Desirable: End to end process experience would be an advantage, dealing with the process from drawing up the initial terms though to redemption. Experienced of presenting to & influencing at director level. CeMAP Qualified or willing to work towards

Relationship Director Bridging Finance Job Description You are employed as a Relationship Director responsible for property bridging. This will involve developing and using your current network of professional introducers who can offer commercial lending opportunities, This will cover: Residential property portfolios All types of commercial properties (excluding some asset classes such as boutique hotels, pubs and retail) Within the range of £500,00 to £7,000,000. Your duties will include: Identifying commercial bridging lending opportunities to consider in line with the current lending policy and interest rate banding. Take responsibility for each lending opportunity and progress through the business to deal completion, ongoing monitoring and successful exit. Instruct solicitors and valuers, following established company procedures and agree fixed price agreements and timescales with all professional advisors. Coordinate the progress of each loan throughout its lifecycle. Develop the credit paper for presentation to the Board of Directors. Illustrating the risks and merits to each transaction. Take responsibility for monitoring of client's and loans to ensure it reduces its lending risk by looking for early signs of distress. Where loans are serviced, check each month/week with the Accounts team to ensure payments are received. Ensure customers adhere to conditions subsequent as set out in the loan agreements. Follow all company practices and procedures in relation to anti money laundering and fraud. Help customers where required to source exit finance. Develop and agree marketing strategies with the Board of Directors in support of your efforts to identify new lending opportunities. Arrange and host client hospitality days and other opportunities to maintain regular engagement with clients. Present opportunities to the Board of Directors and progress through the business following the established lending procedures. Visit clients, brokers, land agents and advisers at their premises to develop a professional relationship with a view to receiving bridging lending opportunities. Essential Skills The ability to source a new opportunity and take them through the underwriting process. from compliance colleagues. The ability to understand and explain standard company accounts and calculate EBITDA. The ability to scrutinise a valuation and the valuation methodology to ensure it presents a realistic and real time valuation for the property or business, as opposed to trading potential or future trading performance. Understand the basics of property and company security. The difference between a Debenture and a Legal Charge and what that means for a lender. Be capable of using AI and writing prompts for AI search engines. Understand the advantages and shortcomings. Be proficient in the use of Microsoft 365, SharePoint, and particularly Microsoft Excel. Devise strategies and structures and find solutions to make loans happen. Have an understanding of what can happen when loans go wrong and how a lender can proactively manage the situation and avoid enforcement. Can search Land Registry and interpret/explain title plans and title registers. Understand the importance of exit strategies for borrowers, and structuring loans to ensure borrowers have the best chance of securing an exit. Requirements Full driving licence and a willingness to travel throughout England, Scotland and Wales on a weekly basis. Be available in the office (9am to 5pm) for 3 days per month as a minimum. Must be willing to accept overnight stays. Each member of staff is required to complete annual tests following the NACFB approved courses in relation to Anti Money Laundering, Fraud Prevention, Anti-Terrorist Financing and other required courses.