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Special Credit Officer (Spanish Wells)
Location:Spanish Wells Branch
Job Type:Branch Operations
FT/PT Status:Regular Full Time

Major Responsibilities:

The candidate will perform debt collection services in a professional manner. The incumbent must fully comply with the Bank’s Security Policies as outlined in its Security Policy Manual and the Bank’s Anti-Money Laundering (AML), Counter Financing of Terrorism (CFT) and Know Your Customer (KYC) requirements. In addition, the position holder is required to uphold the Bank’s Customer Service Standards and Code of Ethics at all times.


  1. Responsible for the continual solicitation of new customers and cross selling of all services at every opportunity.

  2. Responsible for obtaining at least (30) contacts per day on delinquent customers.(A contact is when the officer has spoken to the delinquent customer in an effort to bring the account up to date.)

  3. Responsible for assisting customers on delinquency notices, queries, deduction refund, salary refund and any other information.


  1. Responsible for preparing extension forms and ensuring they are fully documented andare recorded in the Extension Log.

  2. Responsible for researching accounts (e.g. ILA, CLA, RGs, SAV).

  3. Responsible for maintaining and setting up automatic transfer and implementing Deductions and Wage Assignments on delinquent accounts.

  4. Responsible for preparing accounts for chasing

  5. Responsible for taking loan applications on delinquent customers to prepare restructures rewrites, to restore their credit worthiness, if applicable.

  6. Responsible for ensuring the deposit accounts of delinquent customers are flagged.

  7. Responsible for typing cancellations and deductions on delinquent accounts when necessary (e.g. old deduction still in place or increase in payment due to paying of auto insurance).

  8. Responsible for preparing documents for Insurance Claim Cheques (e.g. Fire & Hurricane, Death and Auto Claim).

  9. Responsible for updating CIF in Fiserv and VQN ensuring accurate Start Date and Profession Codes fields are properly documented once we identify delinquent customers who are either no longer employed or have obtained new employment elsewhere.

  10. Responsible for documenting all Results in VQN before and after Daily Campaigns are run.

  11. Responsible for preparing Daily Source Comments Reports in VQN each day and passing it in to your Supervisor

  12. Responsible for preparing accounts for Small Claim and Legal Actions.

  13. Responsible for skip chasing (e.g. seeking other avenues of finding their whereabouts).

  14. Effectively assist with other duties in the Department daily, to ensure proper completion before leaving for the day.

Qualifications, Skills and Experience:

Minimum of 5 B.G.C.S.E.'s with C and above, including Mathematics and English
Strong customer service skills and commitment to Service Quality
Great listening and communication skills 
Keen attention to detail with the ability to produce error free work
Professional personal presentation
Excellent punctuality and attendance record
Highly confidential in nature
Excellent cash management skills and strong numerical ability 
Excellent organizational and time management skills
Strong interpersonal skills
Ability to interact with others in a respectful, professional and cordial manner
Stress management skills. Not easily overwhelmed.  Able to multi-task in a fast paced working environment while maintaining efficiency and accuracy 

Personal Attributes:

The incumbent must maintain confidentiality, use sound judgement and perform independently while  performing the duties of the Special Credit Officer. The incumbent must also demonstrate the following personal attributes:

Maintain standards of conduct
Display characteristics of honesty, integrity and sound ethics
Possess cultural and business awareness and sensitivity 
Be respectful
Be flexible


Remuneration Package:

Commonwealth Bank is a Great place to work! We offer an exciting work environment with the opportunity for growth and development. We also offer a competitive compensation package, reflecting the successful applicant’s experience and qualifications, including a performance based incentive plan, health, vision, dental and life insurances and a pension plan.