REBECCA SAWERS

• Managing Maintenance and Health and Safety for the branch. Identifying and reporting any issues, liaising with third party contractors to arrange for necessary works to be completed.
• Lead on Food Safety Standards for the branch ensuring all documentation is correctly completed and filed. Hygiene standards are met with handling of food and cleaning of open food areas.
• Maintaining Audit record ensuring all price changes accurately implemented and resolving incorrect labelling issues.
• Provided leadership and direction for employees, supervising activities to ensure effective date coding and stock rotation to minimise risk to customer and wastage.
• Professionally handled difficult customer complaints and objections face to face, over telephone and via email.

I worked for Carpet and Flooring for 9 months on a temporary contract as a Credit Controller. I managed 2 portfolios of approximately 90 accounts. My tasks included

• Corresponding with customers via telephone and email to discuss orders, collection of payments and resolve any queries on the account
• Assessing risk and applying appropriate credit limits based on insurance limits, customer track record and customer financial stability. This would include accessing records on credit agencies , Companies House and viewing financial accounts .
• Producing monthly reports for management meetings detailing days sales outstanding, bad debt provision and identifying any accounts posing a high risk

Contract I undertook whilst pregnant with my second child

I was taken on to resolve issues on a ledger that had been left without any management for over 6 months and therefore had many unresolved queries and outstanding balances

When I took the account on in July the ledger had overdue balances of £155,000 with a bad debt provision set aside as £130,000

When I left in October, I had managed to collect over £150,000 of the overdue balances, ensured future payments were received on or before the due date and any queries were resolved before payment was due so not to delay funds being received

The bad debt provision when I left was just £2,500

To achieve this I ensured invoices were raised correctly and sent to clients at earliest possible opportunity

I would follow this up a few days later to ensure invoice was received and that there were no queries that would hold up payment and work with client and colleagues to resolve any queries.

I began working for Eaton Electric on a temporary contract as a Debit Note Administrator. After being in the role for 3 months I was approached by my Line Manager to apply for a permanent position of Credit Controller managing a £2m ledger with over 150 accounts of varying size. At the time of taking on this ledger there was a bad debt amount of £450,000 dating back to 2009 and Day Sales Outstanding of 83 days. In the first 7 months of taking on this ledger I successfully reduced this bad debt to £5,000 and reduced the Day sales outstanding to 47 days. As a result of my efforts on this ledger I acquired 2 more ledgers to manage.

My daily tasks included:

• Liaising with customers to discuss their due payment, to obtain their commitment for payment or to address and resolve any issues that could delay the payment.
• Maintaining and updating records of discussions and correspondence with customers and diarising for any follow up required.
• Reviewing credit limits periodically to ensure they are appropriate and identifying any opportunities for increased limits. At the same time identifying any accounts that are not profitable and re-directing their business through to a wholesaler.
• Engaging my colleagues in the warehouse and sales teams to find solutions that best fit the business and customers’ needs.
• Organising quarterly team meetings including agreeing an agenda with Manager, arranging prizes for top performers and arranging catering

In the 9 years I worked for RBS I undertook different roles as I progressed and developed my skill set. I joined the Company as a Personal Banker providing financial assistance to personal banking customers in regards to saving accounts, personal loans and mortgages. After 2 years I moved into Business Loan Underwriting and latterly moved into the Commercial Division of the bank managing a portfolio of 50 accounts. This portfolio consisted of residential housebuilders typically developing sites of between 5 - 40 homes.

With each of these roles my general tasks included

• Customer Service, being first point of contact to understand customer needs and find appropriate solutions suitable for the customer and bank alike ensuring all recommendations were morally and ethically correct .
• Writing reports to support an application or detailing reasons for declining to provide borrowing.
• Assessing Credit Risk and affordability.
• Assisting in the training of my peers
• Ensuring I kept abreast of Company Policies and the financial markets

Joining the company as a cashier I progressed into various roles with my final position being a Customer Adviser

I also completed 2 secondments, the first being involved in the launch of ‘Intelligent Finance'

My role in both secondments was to assist with the building and testing of banking systems.

In my 2 years with this employer, I undertook many roles including Cashier, Cash Office Supervisor and Healthcare Assistant

Other work experience includes voluntary work for a nursing home and Red Cross charity shop and assisting with RNIB charity events across the UK.