Job Title: Finance Administrator
Reporting to: Finance Manager
Functional working relationship: Debt Recovery Officer
Direct Reports: None
Salary: £28,000 - £30,000 per annum (depending on skills, experience and qualifications)
Role Purpose
The Finance Administrator provides transactional, administrative and coordination support to CWRT’s finance and debt recovery functions. The role focuses on processing, monitoring and preparing financial information and arrears-related activity to support the work of the Finance Manager and Debt Recovery Officer.
This is a delivery-focused support role operating within clearly defined procedures and delegated authority, with financial decision-making and reporting ownership retained by the Finance Manager and Debt Recovery Officer.
Key Responsibilities
Financial Administration and Transactions.
Process routine, high-volume financial transactions in accordance with established procedures and instructions, including loan drawdowns, repayments, direct debits and ad-hoc payments.
Input and maintain accurate transactional data within CWRT’s finance and loan management systems.
Prepare supporting documentation, schedules and reconciliations for review by the Finance Manager.
Assist with invoicing, statements and standard financial correspondence, escalating non-routine or complex matters.
Financial Reporting Support
Prepare routine financial reports, data extracts and schedules for internal use, funder reporting and audit, for review and sign-off by the Finance Manager.
Maintain finance trackers, logs and spreadsheets to support monitoring of portfolio activity and arrears positions.
Collate and present financial information to enable higher-level analysis by the Finance Manager.
Debt Recovery and Credit Control Support
Monitor missed payments and early-stage arrears in line with defined thresholds and procedures.
Undertake first-stage arrears activity, including contacting borrowers using approved scripts and templates, and recording outcomes accurately.
Maintain complete and up-to-date debt recovery records, correspondence logs and case notes.
Prepare debt recovery reports and case information for review by the Debt Recovery Officer.
Support the administrative preparation of funder or guarantee claims (e.g. BBB claims).
Compliance, Audit and Controls
Ensure all financial and debt recovery activity is undertaken in line with CWRT policies, procedures and regulatory requirements.
Maintain clear audit trails and documentation to support internal and external audits.
Escalate issues, errors or potential risks promptly to the Finance Manager or Debt Recovery Officer.
General Support
Respond to routine finance-related queries from internal colleagues and borrowers, escalating where appropriate.
Support continuous improvement of finance and debt recovery processes through feedback and suggestions.
Undertake other reasonable administrative duties consistent with the role.
Working Relationships
Finance Manager: Primary line manager; accountable for financial controls, reporting quality, system ownership and approval of all finance outputs.
Debt Recovery Officer: Provides task-based direction for arrears monitoring and debt recovery administration; retains responsibility for recovery strategy, decisions, and escalation.
Internal teams: Works with Loans Officers, Operations and Compliance to ensure accurate transactional information and timely administrative support.
Working Pattern and Location
This role may be offered on a full-time (34 hours per week) or part-time basis (minimum 24 hours per week), subject to agreement.
The role is primarily office-based at CWRT’s offices, with limited requirement for external travel.
The post holder will be expected to work during normal office operating hours (typically between 8.00am and 6.00pm), in line with team arrangements and service needs.
Key Deliverables and Performance Indicators (KPIs)
Performance will be assessed against clearly defined delivery-focused KPIs, including:
Accurate and timely processing of routine financial transactions
High-quality, complete supporting documentation for finance reporting and audit
Reliable preparation of routine reports and arrears data
Effective administrative support to early-stage arrears activity
Clear escalation of non-routine issues and risks
Compliance with defined procedures and FCA requirements
Skills, Knowledge and Experience
Essential
Experience in a finance administration, accounts assistant or similar support-level role
Experience supporting credit control or debt recovery activity
Strong numerical accuracy and attention to detail
Experience inputting and maintaining financial data and records
Confidence using finance systems, spreadsheets and CRM or case-management systems
Strong organisational and time-management skills
Ability to follow defined procedures and work within delegated authority
Ability to recognise issues outside remit and escalate appropriately
Clear and professional communication skills
Desirable
Experience working in a lending, financial services or regulated environment
Understanding of basic accounting principles
Experience supporting audits or funder reporting
Personal Attributes
Reliable and consistent
Methodical and process-driven
Discreet and trustworthy, with strong respect for confidentiality
Calm and professional when dealing with sensitive or arrears-related situations
Comfortable working in a support role with clear boundaries
Willing to learn and develop
This job description outlines the main responsibilities of the role but is not exhaustive. Duties may evolve following consultation and in line with organisational needs