Debbie Eccles
Stourbridge
Summary
Seasoned Credit Controller with strong background in managing accounts receivable and debt recovery. Demonstrates keen ability to streamline financial processes, reducing outstanding debts and improving cash flow. Adept at building strong relationships with clients and stakeholders, ensuring timely payments and resolving disputes. Brings proactive approach to credit management, enhancing financial stability and supporting business growth.
Overview
22
22
years of professional experience
Work History
Credit Controller
The Pace Group
Kingswinford, West Midlands
10.2025 - Current
- Updated customer accounts and processed payments to ensure accurate billing and timely collections.
- Managed customer accounts to maintain accurate billing information and facilitate effective debt recovery efforts.
- Monitored debtor balances to identify and address overdue accounts proactively.
- Prepared monthly reports on account receivables and aged debt to provide senior management with insights for decision-making.
Accounts Administrator
Harlow Timber PLC
Kidderminster , West Midlands
01.2025 - 10.2025
- Managed accounts payable and receivable, maintaining accurate records of all transactions and payments.
- Reconciled bank statements against ledger entries to maintain accurate financial records.
- Processed invoices and expense claims, ensuring timely payments to suppliers and staff.
Credit Controller
MPS MIDLANDS
QUINTON
03.2004 - 12.2024
- Monitored debtor balances to identify and address overdue accounts proactively.
- Updated customer accounts and processed payments.
- Prepared monthly reports on account receivables and aged debt, facilitating informed decision-making for senior management.
- Maintained regular email and telephone contact with customers to appropriately manage overdue account payments.
- Processed payments and adjusted accounts accordingly, maintaining precise financial records.
- Managed customer accounts to maintain up-to-date billing information and reduce outstanding debts.
- Documented customer payments and credit queries precisely, maintaining accurate and up-to-date accounts.
- Prepared letters requesting payment for overdue accounts and escalated aged accounts for legal action.
- Negotiated payment plans with customers experiencing financial difficulties, maintaining positive relations.
- Developed and maintained strong relationships with customers, enhancing client satisfaction and loyalty.
- Chased customers ahead of payment deadlines, ensuring balanced accounts within agreed invoice timeframes.
- Used exceptional communication skills to build strong customer relations, enabling positive, professional account management.
- Received and resolved customer queries efficiently, enabling timely invoice processing and payment.
- Reconciled customer disputes efficiently, ensuring accurate invoicing and prompt payment.
- Prepared statements and reports for accountant to provide information of financial position and performance, maintaining healthy cash flow.
- Implemented credit control procedures that reduced financial risk through proactive management of debts.
- Reviewed new credit requests, verifying eligibility and capability to understand credit position of clients.
- Conducted credit checks on new clients to assess creditworthiness and set credit limits.
- Created and implemented robust company credit policies, limiting financial risk.
- Negotiated re-payment plans by identifying cause of delinquent payments to assist recovery of debt, meeting realistic time frames.
- Answered customer inquiries concerning credit standing, loan balances and penalties.
- Carried out regular customer credit checks, assessing and adjusting account credit limits according to score findings.
- Oversaw portfolio of clients to determine payment and credit limits, reporting status of good and bad payers to management.
- Utilised excellent negotiation skills to minimise debtor days, improving overall financial efficiency.
- Streamlined credit control processes, enhancing efficiency and ensuring timely debt collection.
- Liaised with solicitors and debt recovery agencies to recover unpaid debts when necessary.
- Fostered a culture of continuous improvement within the credit control department to enhance performance.
- Communicated effectively with internal and external stakeholders to ensure clarity in financial matters.
- Provided training to new team members on credit control processes and best practices.
- Determined approval or disapproval based on accepted risk profiles.
- Reconciled complex accounts to prevent balance sheet discrepancies and check for fraud, rectifying general ledger.
- Participated in regular audits to verify the accuracy of account receivables and compliance with financial policies.
- Compiled databases of applicants' credit histories, financial statements and personal details.
- Issued approvals within authorised limits and escalated large-value applications to senior staff for review.
- Devised terms of credit for new clients to manage timely payments and avoid defaults.
- Coordinated with sales and customer service teams to resolve credit issues swiftly.
- Registered information of customers on database, collecting credit history, financial statements and personal details to preserve accurate records.
- Implemented procedures and policies to facilitate timely payments, maintaining high level of customer retention.
- Built knowledge about latest banking products and services through ongoing training.
- Compared customer references, credit ratings, risks and payslips against policy standards to balance risk.
- Utilised financial software for efficient management of credit control functions and reporting.
- Collaborated effectively with sales teams to ensure outstanding debts were paid within agreed timeframes.
- Contacted financial and credit institutions to obtain and validate customer information.
- Scrutinised debtor balances to avoid late payments and bad debt, attaining financial stability objectives.
- Managed flow of applicants through approval process, completing continuous reviews and corrects to minimise delays.
- Educated customers about conditions of credit and loans, repayment requirements and loan periods.
Skills
- Customer account reconciliation
- Telephone collections
- Payment plan negotiation
- Debt recovery
- Financial reporting
- Risk assessment
- Credit analysis
- Conflict resolution
- Customer relationship management
- Data accuracy
- Process improvement
- Negotiation strategies
- Financial software utilization
- Debt management
- Customer handling
- Credit check management
- Credit risk assessments
- Confidentiality maintenance
- Calm under pressure
- Written and verbal communication
- Banking operations
- Decision-Making confidence
- Accounting principles
- Billing query resolution
- Credit limit management
- Efficient organisation
- Debt recovery techniques
- Legal documentation
- Customer credit checks
- Client account management
- Dispute Resolution
- Risk assessment knowledge
- Persistent communication
- Document coordination
- Debtor days reduction
- Credit risk management
- Invoice query resolution
- Banking system familiarity
- Research skills
- Assertiveness
- Customer credit limit advice
- Accounting software
- Debt reconciliation
- Credit terms and conditions
- Sales ledger maintenance
- Knowledge of legal processes
- Chaser
- Payment acceptance
- Account reconciliation
- Financial aptitude
- Commercial collection
- Relationship Management
- Ethical integrity
- Math and computation
- Effective negotiation
- Credit history databases
- Accounts receivable ledger management
- Financial diplomacy
- Debtor tracking software usage
- Advanced accounting principles understanding
- Automated payment systems experience
- Account dispute resolution
- Credit exposure monitoring
- Patient determination
Timeline
Credit Controller
The Pace Group
10.2025 - Current
Accounts Administrator
Harlow Timber PLC
01.2025 - 10.2025
Credit Controller
MPS MIDLANDS
03.2004 - 12.2024