Kirsty Moir

· Manage a portfolio of overdue and late-stage accounts (90+ days), ensuring the prompt collection of outstanding payments, reducing arrears, and minimising financial losses.

· Co ordinating with repossession agents to overseas the recovery of vehicles for accounts with extended arrears, ensuring full compliance with legal requirements and company policies throughout the process.

· Knowledge and understanding of financial legislation including CCCFA and AML

· Delivered a high standard of communication to the broker and dealer network throughout the application process

· Performed comprehensive re-assessments for the complaints team, ensuring strict adherence to the relevant policies and legislation in effect at the time

· Assumed responsibilities beyond the usual scope by providing coverage for Team Leaders during their absence

· Executed contracts while ensuring accuracy and adherence to company guidelines

· As a Credit Analyst with delegated lending authority, I facilitated team members by granting approvals for lending up to 55k

· Provided support to team members in navigating complex decision-making situations and mentor new team members

· Assisted clients in securing financing by assessing their financial needs and recommending suitable loan options

· Collaborate with lenders, real estate agents, and clients to streamline the mortgage application and approval process

· Provided expert advice on mortgage products, interest rates and terms, ensuring clients understood their options

· Introducer liaison responsible for expanding and strengthening the franchises dealer network

· Enabled straightforward communication between dealerships and clients, ensuring positive outcomes

· Delivered training and support to dealership staff on finance products and sales techniques, improving their ability to close sales

· Executed social media marketing strategies while adhering to budgets

· Contacted clients to discuss outstanding debts, payments options and resolve disputes

· Enhanced customer experience through outbound calls, including birthday greetings

· Developed relationships with key clients

· Provided weekly reports - sales insights

· Supported instore events such as garden seminars

· Comprehensive knowledge of products features, benefits, and specifications

· Ability to educate customers and staff about products details and usage