Credit Control/Loans Officer

Experience in a similar environment will be considered an advantage but having the right skills and approach to undertake the duties effectively is the main requirement. 

If you have strong IT skills, a good working knowledge of Microsoft Word and Excel packages, good communication skills both written and verbal and are committed to providing excellent customer service we would be delighted to hear from you.    

This position may be extended to full time hours in the future and dependent on workload. We are also willing to consider job applications on a job share basis.

If you are interested please forward on your CV and a covering letter to or  call 01506 238353.  The closing date is the 23rd December 2021 with interview dates expected to be at the end of January 2022(TBC).















JOB TITLE                                       Credit Control / Loans Officer


Terms and Conditions

Hours                  30 hours per week 

Work pattern    Dependent on shift

Holidays             23 pro rated annual and 8 public holidays based fulltime entitlement.  

Location             Almondbank Centre, Craigshill, Livingston

Report to            Senior Administrator


PURPOSE OF JOB:                         To apply the Credit Unions Loans Policy and Procedure and to provide credit control and administrative support to assist the growth of the Credit Union.


Outline of Main Duties


Loans Process

  • Receipt loan applications and update to Progress
  • Assess loans based on the Credit Unions Loans Criteria process to make good quality lending decisions
  • Contact members and discuss their lending requirements
  • Prepare Loan Agreements
  • Issue decisions to members and pay-out loans as required
  • Discuss credit control issues for lending decisions and feedback/evaluate the loans criteria to ensure lending practices up to date and meet credit union requirements
  • Inform the Senior Administrator requiring their attention or requiring resolution
  • Assist Senior Administrator in preparing information for Board and Loans Committee.
  • Develop and share ideas for new products and plans and prepare these for submission to Manager.


Credit Control Duties

  • To ensure adherence to the credit control procedures as well as the Credit Union’s Bad Debt Policy in consultation with the Senior Administrator/ Credit Control Consultant.
  • To monitor the repayment of loans issued and to ensure that members failing to make repayments are quickly identified for appropriate action.
  • To follow up each case of non-payment including personal contact, written correspondence and agent visits as appropriate.
  • To contact members directly and quickly where payments have been missed and to set up plans to ensure that future repayments are made on time and that any arrears are recovered.
  • To regularly update our Progress system with cases worked on.
  • To assist with daily processing of members transactions.


Member Administration

  • Prepare membership applications for new members
  • Prepare loan applications for Loans Committee/Officer if applicable
  • Process all approved loans
  • Issue all approved loans
  • Prepare and process PIN registrations received from the Credit Union’s website
  • Process all deposits/repayments received electronically
  • Prepare and process all loan payments to members
  • Prepare and process Benefits received and allocate to member’s accounts
  • Prepare and process Engage Card applications
  • Keep members informed of other credit union services when dealing with members enquiries.
  • Input new members details onto the system accurately and timeously
  • Ensure the quality of membership data is maintained and the database is accurate at all times


Preparation for Board Meetings

  • Collate paperwork required for monthly board meetings for the Senior Administrator
  • Provide paperwork as requested to Senior Administrator in good time before meetings in order for the Senior Administrator to prepare the papers



  • Scan and file all standard forms submitted by members
  • File all office administration documents
  • Maintain stock of stationery and standard forms
  • Assist Development Officers working on funded projects as required
  • Monitor stationery including cheque books
  • Ensure cheques are signed as required
  • In line with principles of continuing professional development, be prepared to attend training sessions as and when required. Training sourced by the credit union only will be approved, and a maximum of 5 days per year to be taken.
  • Assist with any other task, as may be reasonably required


Working with Volunteers

  • Assist volunteers with any queries they have in their dealings with members
  • Organise Volunteers’ Rota and contact volunteers to fill Rota as required
  • Issue Volunteer Agreement to all new volunteers
  • Maintain a Volunteer Register
  • Maintain training plan records for all volunteers



Health & Safety

  • Maintain the Accident Book
  • Ensure evacuation drills are conducted
  • Communicate with Volunteers about Health & Safety issues



Schools Administration

  • Assist with input of member deposits as required, working with Schools Development Officer where applicable
  • Assist with any other administrative task for Schools


Finance Administration

  • Assist the Senior Administrator with preparation of Bank Reconciliation on a daily or weekly basis, as instructed
  •   Reconcile Petty Cash on a weekly basis



























POSITION – Credit Control / Loans Officer










IT Literate

Able to use Word, Outlook, Excel.  Able to create, edit, print documents.  Able to use basic formulas on Excel.   Able to create, reply to, file, emails on Outlook and to use Tasks and Calendar to manage time and tasks. 

Able to navigate basic Databases, extracting and using data.












Customer Service

Able to effectively deal directly with customers/clients/members and to appropriately assist vulnerable adults.






Able to apply criteria and make appropriate lending decisions.



Credit Control

Basic understanding of credit control and ability to manage credit control matters including members’ failure to pay outstanding loans working within the policies and guidelines set by the Credit Union.




Able to multi-task, maintaining efficient records and systems



Organised individual

Able to work on own initiative, organising own workload and undertaking tasks to standard without direct supervision.







Customer Service

Track record of providing excellent customer service face to face, by telephone and using online facilities to ensure enquiries are dealt with efficiently.



Work as part of a Team

Experience of working effectively in a team with staff and volunteers.



Monthly Reporting

Experience of preparing monthly reports for use by the Board.



Flexible working approach

Able to be flexible with regards to undertaking tasks and working hours within the scope of the role. 







Knowledge of credit unions

Good understanding of how credit unions work, their purpose and the services and products they offer.




Minimum HNC level (or equivalent in terms of experience or bespoke job-relevant training)




Minimum 2 years’ experience working in an office environment




Willingness to undertake training





Last modified: Tuesday, 7 December 2021, 9:57 AM