Nicola Bolton
Bradford,West Yorkshire
Summary
A highly experienced Credit Control professional with 19 years in the field, demonstrating resilience under pressure and a determined, proactive approach. Known for confident decision-making and maintaining a positive attitude, coupled with excellent interpersonal skills including assertiveness and persistence. Proven track record in customer relations, self-motivation, and strong organisational and prioritising abilities and reducing Debt.
Proficient in IT skills such as Microsoft Office, Excel, SAP, and experienced with online portals like Verisae, Coupa, and Ariba. Adept at communicating at all levels within an organisation.
Overview
20
20
years of professional experience
6
6
years of post-secondary education
Work history
Credit Controller
Epta UK Ltd
2015.02 - Current
- ledger £50 - £60M turnover
- Covering three divisions supplying major supermarkets – Cabinets, Contracting projects, and after sales service
- 1 ledger, several very large accounts and intercompany accounts
- Hands on management of some major accounts
- Open new credit accounts with appropriate credit limits and to maintain credit limits
- Ensure customer statements are prepared and reconciled
- Regular review of credit limits, risk ratings and doubtful debt provision
- Identify with the customer the reasons for non-payment and to communicate these internally
- Establish regular Credit Committee meetings and customer meetings
- To ensure all amounts due and collectable are received in accordance with the relevant terms
- Manage and progress the internal resolution of disputes and to escalate where appropriate
- Forecast monthly cash receipts
- Provide prompt, accurate and relevant reports, including weekly and monthly overdue reports
- Maintain credit insurance arrangements
- Correctly allocate receipts
- To prepare and reconcile statements
- Undertake other departmental tasks as required
- Calculation of bad debt provision according to Group accounting policy
- Sales invoicing during peak periods to help boost future cash balances
- Scan and validate purchase ledger invoices
- Occasional support to help resolve purchase ledger queries
Credit Controller
Pure Data Solutions Ltd
2013.02 - 2015.02
- Stand alone credit controller for an expanding business who provide IT equipment and support services to a mixture of SME's including blue chip and government bodies
- To work to strict monthly and annual targets
- Ledger of 2million
- Posting and allocating daily banking in both GBP/EUR currency
- Chasing any overdue invoices by phone and email
- Generating invoices, reminder letters and statements
- Investigating and resolving queries
- Processing credit/debit card payments
- To produce monthly consolidated invoices for customers
- To upload invoices onto customers online portals
- First point of contact for all new accounts, to establish credit limits and insurance
- To decide if orders can go for customers who have exceeded their credit limits
- To notify our insurance company of any late payments
Credit Controller
Ligentia International Ltd
2012.09 - 2013.02
- Ownership of 200 accounts for well known retailers
- Responsible for completing the banking on a daily basis for GBP, USD and Euro bank accounts
- Inputting bank charges and exchange rates on the system used for reconciliation at month end
- To complete the invoice factoring on a daily basis and to inform the bank of the new figures along with any cheques received
- Required to contact customers/account managers with a view to collecting balances both overdue and shortly due
- Reiterating and explaining payment terms set out in the credit agreement
- To send copy invoices/credits
- To record figures on excel for customers using bulk invoicing weekly
- Send monthly statements
- To be the first point of contact when a company applies for a credit account ,reviewing financial records/annual returns etc to see if they could impose any risk to the company
- Check credit facilities and the history of the customer using credit safe records
- To work with the purchase ledger team for the contra accounts
Credit Controller
Energy Switch2
2012.05 - 2012.09
- Temporary role
- Run daily reports of customer arrangements
- To review and reset accounts so that they would receive computer generated letters
- Answer incoming calls and make outgoing calls to tenants and landlords regarding energy supplies at the properties and outstanding balances that had fallen due
- The credit control procedure was heavily reliant on an inhouse system, I was required to manually check the letters printed daily which could range from 50-300 a day
- To check the shared inbox and respond to tenant’s/landlords/clients regarding their queries in a time efficient way
- Queries would range from billing issues to scheduling disconnections/reconnections
Credit Controller
Univar Speciality Consumables
2011.06 - 2012.05
- Manage ledger of 280 accounts, over time
- To maintain notes used for legal proceedings and for the credit/finance manager
- Provide copy invoices, proof of delivery, credit notes
- Reconcile payments to invoices
- To report to management on outstanding issues and inform them as early as possible of potential debtor problems to help control risk
- Achieved targeted results which averages of 400k a month coming from accounts with overdue invoices
- To allocate cash and occasionally help colleagues with their work load as and when required
Admin Support/Case Officer
Walsh Taylor
2009.09 - 2011.03
- To act as administrative support to Case Officers in both the pre-appointment and post-appointment departments
- To prepare documents for Members/Creditors Voluntary Liquidations, Members/Creditors Voluntary Arrangements, Individual Voluntary Arrangements, and Bankruptcies etc
- Deal with incoming calls from creditors , offering advice with making a claim and how the specific type of Insolvency proceedings would progress
- To implement and create an inventory and labelling system for company Books & Records in order for colleagues and auditors to be able to carry out tasks with greater efficiency
- Responsible for formulating time cost spreadsheets for billing purposes on cases and provide updates and progress reports on each on-going case
- After a relatively short time at the company I was given an additional role of handling all company employee claims to the Redundancy Payments Office (RPO)
- To attend meetings with all company employees and explain the procedure for making a redundancy claim and assist them with completing the necessary forms
- To deal with all employee calls and help with the process.
- Liaising with the RPO in order to solve issues with payments
- Corroborate the employee’s forms with the payroll section of the Books & Records in order for the Insolvency Practitioner to be able to confirm the payments for the RPO
- To manage my own cases in the field of Creditors Voluntary Liquidations
- To have meetings with company Directors for the Liquidation process
- To prepare all official documentation for the IP
Recoveries Agent
Eversheds Solicitors LLP
2008.02 - 2009.09
- To process bulk charging orders on properties
- Bulk administration, court liaison and communicating directly with third party organisations preparing court documents to ensure the best outcome for the clients
- To deal with complex issues surrounding charging order work such as multiple applications, problem solving and contested matters
- To cover absence in different enforcement section such as attachment of earnings team and loss mitigation team
- To assist with collection of balances both on pre legal cases and legal cases
- To enforce the judgement obtained by means of Warrants of execution, Bailiffs, Attachment of Earning’s Orders, and Statutory Demands
- Manage a portfolio of 500 accounts
- To liaise with the accounts department to resolve any discrepancies
- I achieved not only team targets but individual financial targets
- Following redundancy within the company I moved teams and worked within the government team which involved priority government debts and a variety of clients ranging from the Child Support Agency to UK border agency
- To use a dialler system which generated large amounts of telephone work
- Confident with both clients and consumers, showing flexibility and enthusiasm within the team
- Ability to manage other accounts at short notice and with little insight into the backgrounds
Credit Control Officer
Safestyle UK
2006.05 - 2008.02
- To collect outstanding monies owed
- Perform credit control functions to ensure accounts were paid on time
- Negotiate payment plans
- Issue legal proceedings on defaulted accounts including completing Charging Order's
- To process and deal with disputed matters
- Allocation questionnaires
- Calculate redemption figures and negotiation settlements that were commercially viable
- Deal with customers, Installation branches and solicitors
- To use my own initiative to resolve issues ranging from compensation to write offs
- To maintain a ledger of £800k
- To escalate issues from customer’s standards, escalated to Citizens Advice Bureau/Trading Standards
- To issue a warrant for bailiffs and make applications for attachment of earnings
- To train new starters on the process of debt collection
Aviation Security Officer
Leeds Bradford Airport
2005.12 - 2006.05
- To secure the safety for both passengers and staff at Leeds/Bradford Airport
- Check passengers boarding passes, bags, vehicles and to carry out body searches
- To escort unauthorised individuals to designated locations airside
- Check the CCTV, operate scanning machines and check employees identification cards are working correctly
Front of house receptionist
Cannons Health & Fitness Club
2004.12 - 2005.12
- General reception activities
- Telephone duties
- Class timetable maintenance
- Dealing with member’s complaints
- Queries with payments
- Post duties
- Organising and completing daily check sheets
- Providing information or packages to take away regarding membership and offering promotional products
- Responsible for handling cash, including floats and tills.
Education
A Levels & AS Level - English Language & Literature, Sociology, Drama & Theatre Studies, Business Studies
Craven college
2003.09 - 2005.08
G.C.S.E’s - D&T–Food Technology, Drama & Theatre Studies, German, Maths, R.E, Science Double Award, English Language & Literature
Bingley Grammar School
1999.01 - 2003.01
Skills
- Resilience under pressure
- Determined and Proactive approach
- Confident decision maker with positive attitude
- Good interpersonal skills such as assertiveness, persistant and excellent customer relations skills
- Self motivated
- Good organisational and prioritising skills
- Able to communicate at all levels
- IT skills: Microsoft Office, Excel SAP
- Experience with online portals such as Verisae, Coupa and Ariba
- 19 years Credit Control Experience
Custom
- In house Training at Abbey PLC-Health & Safety act, Money Laundering Act, Discrimination Act, Data Protection act, Equal Opportunities Act, Banking Code Act.
- In house Training at Safe style UK- attended a debt recovery course held in 2007.
- In house training at Walsh Taylor on Insolvency Practitioner Software.
- Attended 2011 Employment Law Seminar.
Timeline
Credit Controller
Epta UK Ltd
2015.02 - Current
Credit Controller
Pure Data Solutions Ltd
2013.02 - 2015.02
Credit Controller
Ligentia International Ltd
2012.09 - 2013.02
Credit Controller
Energy Switch2
2012.05 - 2012.09
Credit Controller
Univar Speciality Consumables
2011.06 - 2012.05
Admin Support/Case Officer
Walsh Taylor
2009.09 - 2011.03
Recoveries Agent
Eversheds Solicitors LLP
2008.02 - 2009.09
Credit Control Officer
Safestyle UK
2006.05 - 2008.02
Aviation Security Officer
Leeds Bradford Airport
2005.12 - 2006.05
Front of house receptionist
Cannons Health & Fitness Club
2004.12 - 2005.12
A Levels & AS Level - English Language & Literature, Sociology, Drama & Theatre Studies, Business Studies
Craven college
2003.09 - 2005.08
G.C.S.E’s - D&T–Food Technology, Drama & Theatre Studies, German, Maths, R.E, Science Double Award, English Language & Literature
Bingley Grammar School
1999.01 - 2003.01