Trainee Debt Advisor

2 weeks ago


Bradford, United Kingdom Christians Against Poverty Full time

Job Profile: Debt Operations

**Trainee Debt Advisor**
**Whether you have worked in debt advice before or are looking for a new**
**opportunity we can help you develop your skills and knowledge to join our debt**
**help team. If you are confident with numbers, can deliver excellent customer**
**service and are compassionate, but emotionally resilient then this is the perfect**
**role for you.**
- CAP celebrates the value of diversity and our aim is for our workforce to be as inclusive_
- as possible as well as representing the communities we serve. With this in mind, we_
- backgrounds. We are committed to continue building an environment that embraces_
- diversity and includes all._

**Salary and Progression**
Trainee Debt Advisor starting salary of £22,252 with the opportunity to progress to
a Debt Advisor role with a salary of £25,395 usually within 12 months. Further
progression is available to a Senior Debt Advisor with a salary of £27,578, usually
after 2 years(based on meeting necessary performance and development criteria).

After this there are manager and specialist roles that may become available to apply
to for further career progression.

**Location**
Bradford Head Office based initially during training but with hybrid working split
between home and our office available after completion of initial training. You can of
course work from the office entirely if preferred.

**As a Trainee Debt Advisor you will complete a comprehensive programme of**
**classroom training, exams and on the job sign off to equip you to be able to bring**
**expert advice and support our clients in their journey to becoming debt free.**

**Once you step into one team, you will be working in a fast paced, but rewarding**
**environment. As a debt advisor you will be creating bespoke advice, crafted to**
**help each client gain greater control over their finances. Whether it is**
**negotiating with creditors, or reassuring a distressed caller, as a debt advisor**
**you’ll be demonstrating the highest standard of service, demonstrating both**
**expertise in knowledge but also genuine care for those we are working with.**

Job Profile: Debt Operations

**What a debt advisor does**:
Build budgets to support clients in managing their finances- Create tailored advice plans to give suitable options to become debt free
- Negotiate with creditors to create a sustainable payment plan and stop
- further debt collection- Working with partner churches in running their local debt centres

See full accountabilities below

**What skills you need**:
Excellent communication, both verbal and written- Able to quickly analyse complex situations to find the best solution
- Confident computer user, able to quickly gather and accurately record
- information- A confident, quick learner with a capacity for large workloads
- High emotional resilience. Able maintain wellbeing whilst dealing with
- sensitive and highly emotive client circumstances- Strong numerical skills

**Rewards & Wellbeing**
CAP 6.5% employer pension contribution (increasing to 10% based on your
- personal contributions)- 34 days annual holiday (including flexible bank holidays), increasing by a day
- per year up to 39 days- 2 paid Mental Health days and up to 5 Family Emergency Care leave days
- per year- Paid 'Revive' days to take time out with your team during the year
- Enhanced paid sickness, maternity, paternity and adoption leave
- Access to Employee Assistance Programme
- Hybrid working
- Flexitime from completion of training (start/finish earlier or later in the day,
- accrue extra time off & achieve that work/life balance)- Free annual eye tests
- Plus many more

Job Profile: Debt Operations

**Accountabilities**:
Complete the Debt Advisor classroom training course- Complete Stage 1 sign off for budget amendments
- Create a client budget from information gathered by CAP centre staff, reviewing- To advise clients on their best options to deal with their financial difficulties. This

includes formulating a strategy to become debt free, as well as broader advice
relevant to their financial situation
- Identify potential enforcement action against clients, negotiating with creditors

to establish sustainable plans for repaying debts (or holding further enforcement
action)
- Complete Phone training and achieve sign off for call handling
- To deal with client and creditor queries as they arise through the various- Amend and update client budgets with changes to their circumstances and
- identify when a change of circumstance impacts a clients route option- Pass Stage 2 sign off for advice creation
- To demonstrate patience and resilience whilst helping clients with multiple

complex needs, ensuring that CAP continues to deliver the very best for the very
least
- To proactively manage clients’ cases toward a debt free conclusion, completing

workflow tasks as required and complying with CAP’s Debt Help Policy and
Procedures at all times
- To liaise with and work alon


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