Summary
Overview
Work history
Education
Skills
Home working
Timeline
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Chloe Hall

Tarvin,Cheshire

Summary

Accomplished professional with extensive expertise in loan restructuring, government benefits, and consumer credit. Proven ability to handle difficult conversations and build client trust, ensuring successful debt settlement strategies while maintaining strict confidentiality. Skilled in credit control operations and compliance auditing, committed to upholding industry standards and enhancing financial stability.

Overview

16
16
years of professional experience
3
3
years of post-secondary education

Work history

Budget and debt advisor

Stepchange Debt Charity
Chester - Home working, Cheshire
08.2022 - Current
  • Set realistic timelines for debt clearance based on individual circumstances, resulting in achievable goals.
  • Educated clients on the importance of saving, fostering better money management skills.
  • Mediated between indebted individuals and their creditors, facilitating constructive dialogues that led to payment solutions.
  • Alleviated client stress by providing empathetic support during difficult financial periods.
  • Liaised with creditors on behalf of clients to negotiate manageable repayment plans.
  • Prioritised repayments for most efficient clearance of outstanding debts.
  • Assisted clients with bankruptcy applications to ease their financial burden.
  • Drafted comprehensive financial reports to illustrate potential savings areas for clients.
  • Advocated responsible borrowing practices amongst financially vulnerable individuals reducing their risk of recurring debt issues.
  • Managed sensitive information confidentially adhering to data protection regulations at all times.
  • Achieved client trust with expert guidance on debt consolidation schemes.
  • Established effective communication channels with lenders, preventing escalation of client debts.
  • Maintained up-to-date knowledge of legislation and policy changes.
  • Built and carefully managed loyal, profitable client bases.

Assistant manager

Espirit LTD
Marbella, Spain, Costa Del Sol
02.2013 - 06.2023
  • Managed cash registers accurately reducing discrepancies at end of day reconciliation.
  • Coordinated with management on operational issues providing solutions for better efficiency.
  • Increased staff productivity by providing comprehensive training programmes.
  • Conducted team meetings on a regular basis, promoting open communication within the team.
  • Assisted in recruitment process to build an effective workforce.
  • Minimised inventory loss for improved profit margins.
  • Created a positive work environment, resulting in higher employee morale.
  • Established clear budgets and cost controls strategies to meet objectives.
  • Investigated issues affecting group operations, prepared reports and helped correct problems.

Loan sales executive

The Bank Of Scotland
Chester, Cheshire
01.2009 - 12.2012
  • Coordinated effectively with underwriting teams for smooth processing of loans.
  • Delivered comprehensive reports on loan performance, aiding management decision-making.
  • Facilitated educational workshops for clients to improve understanding of loan products.
  • Collaborated closely with team members to meet monthly sales targets.

Education

A-Levels - Economics, Sociology, Art with Art History

Hartford College
Northwich, Cheshire
09.1994 - 07.1997

Skills

  • Loan restructuring experience
  • Government benefits expertise
  • Consumer credit knowledge
  • Difficult conversations handling
  • Client trust building
  • Debt settlement strategies
  • Strict confidentiality adherence
  • Credit control operations
  • Compliance auditing

Home working

Although my mothers care needs are minimal I would need to predominately work from home.

Timeline

Budget and debt advisor

Stepchange Debt Charity
08.2022 - Current

Assistant manager

Espirit LTD
02.2013 - 06.2023

Loan sales executive

The Bank Of Scotland
01.2009 - 12.2012

A-Levels - Economics, Sociology, Art with Art History

Hartford College
09.1994 - 07.1997

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Chloe Hall