CM magazine May 2019
The CICM magazine for consumer and commercial credit professionals
The CICM magazine for consumer and commercial credit professionals
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Congratulations to all of the following, who successfully<br />
achieved Diplomas in Credit Management.<br />
LEVEL 3 DIPLOMA IN CREDIT MANAGEMENT (ACI<strong>CM</strong>)<br />
NAME<br />
Joshua Albright<br />
Marco Anholts<br />
Amanda Barton<br />
Darren Beejadhur<br />
Erika Bone<br />
Marie Byford<br />
Claudia Carausu<br />
Julia Carr<br />
Alexia Clark-Webber<br />
Georgina Davies<br />
Dalbinder Dulai<br />
Leanne Eason<br />
Thomas Fowler<br />
Wendy-Jayne Foy<br />
Benjamin Franklin<br />
Cheryl Gray<br />
Leigh Ellen Griffiths<br />
AWARDING BODY<br />
CONGRATULATIONS<br />
Julie Griggs<br />
Freya Hanbury<br />
Shanaz Herbert<br />
William Hern<br />
Alberto Hernandez Rivas<br />
Shabana Hussain<br />
Craig Isherwood<br />
Jennifer Jeffery<br />
Rachel Jones<br />
Siobhan Kirk<br />
Joanne Lafferty<br />
Latia Latham-Hopper<br />
Lynn Macdonald<br />
Zena Maher<br />
Brenda McKee<br />
Mihael Mihaylov<br />
Holley-Ann Mimms<br />
Paul Murphy<br />
Lisa Nash<br />
Samantha Poil<br />
Andrew Robinson<br />
Lynne Robson<br />
Kelly Rushmore<br />
James Rutter<br />
Stephen Sands<br />
Sarah Sheldon<br />
Hannah Shirtcliffe<br />
Jenny Stephens<br />
Paul Thackray<br />
Kirsty Tippett<br />
Lisa Whannel<br />
Mark Wiles<br />
Wendy Zhungu<br />
LEVEL 3 DIPLOMA IN DEBT COLLECTION (ACI<strong>CM</strong>)<br />
NAME<br />
Martin Poole<br />
LEVEL 3 DIPLOMA IN MONEY & DEBT ADVICE (ACI<strong>CM</strong>)<br />
NAME<br />
Clive Atkinson<br />
Lauren Brooks<br />
Lisa Browne<br />
Shauna Duffy<br />
Haydn Garnett<br />
Katherine Gilmour<br />
Danielle Holroyd<br />
Lucy Kihlberg<br />
Paul Mcmanus<br />
Andrew O'Donnell<br />
Patience Pattison<br />
Heidi Robinson<br />
Jake Schulz<br />
Leanne Simister<br />
Katie Smith<br />
LEVEL 5 DIPLOMA IN CREDIT AND COLLECTIONS (MCI<strong>CM</strong>(GRAD)<br />
NAME<br />
Sana Ahmed<br />
Beccy Eady-Wagstaff<br />
Jodie Foster<br />
Eleanor Kelly<br />
Daniel Parker<br />
Antonia Penfold<br />
LEVEL 5 DIPLOMA IN CREDIT MANAGEMENT (MCI<strong>CM</strong>(GRAD)<br />
NAME<br />
Matthew Norman<br />
CAREERS’ ADVICE<br />
Stepping up to seniority<br />
Driven and ambitious employees are an important part<br />
of any organisation to help them achieve success.<br />
Karen Young<br />
AUTHOR – Karen Young<br />
WHILE employers can<br />
provide opportunities to<br />
feed the ambition of their<br />
workforce, employees<br />
can take their own steps<br />
to give themselves the<br />
best chance of advancing to senior positions in<br />
credit management.<br />
The Hays Salary and Recruiting Trends <strong>2019</strong><br />
guide showed that progression was a primary<br />
concern for credit professionals. Almost a<br />
quarter (23 percent) of employees revealed that<br />
the main reason they would leave their current<br />
job is because of lack of future opportunities<br />
and over half (51 percent) feel that there is no<br />
scope for career progression in their current<br />
role. Professionals across all sectors should<br />
feel constantly empowered to progress within<br />
their role but this is of particular importance<br />
for aspiring managers and leaders in the credit<br />
profession.<br />
Although you can’t award yourself your<br />
next promotion when you personally feel<br />
you deserve it, you can still keep your goal in<br />
sight to accelerate your journey. Set yourself<br />
personal progression and development<br />
milestones and ask your employer to make your<br />
promotion path and timeline as clear as they<br />
can. If your goals are long-term and relevant<br />
to your broader career, communicating these<br />
to your recruiter will ensure your future roles<br />
align appropriately. Plotting and sharing your<br />
progression expectations keeps you motivated<br />
and gives others the best chance of helping you<br />
get to where you want to be.<br />
IMPORTANCE OF TRAINING<br />
Continuous learning is something all successful<br />
professionals strive to achieve, and those in<br />
credit management realise the importance of<br />
this. Data from our Salary Guide shows training<br />
and/or professional certification support is<br />
the most important benefit for 38 percent<br />
of credit staff when considering a new role.<br />
Encouragingly, professionals in this specialism<br />
realise the credibility that qualifications add to<br />
your professional profile and the bearing they<br />
can have you on career development.<br />
No matter what’s on offer at work, this is<br />
one of the ways employees can take control of<br />
their progression. If relevant to your role, take<br />
advantage of any training which is available to<br />
you. Find yourself a mentor, take up shadowing<br />
opportunities and keep a look out for webinars<br />
and industry events. There is also a wealth of<br />
accessible multimedia content online that can<br />
offer easy to digest information. Expanding<br />
your knowledge within your field will equip you<br />
with the skills to take on more opportunities<br />
which enable you to expand and advance your<br />
role.<br />
EMBRACE DECISION-MAKING<br />
Being indecisive is permissible lower down the<br />
career ladder, but there is no room for it as an<br />
individual progresses and has to respond to<br />
increasingly urgent and financially significant<br />
demands. Procrastinating over a tough business<br />
decision can mean losing out on advantageous<br />
opportunities. Being decisive at the right<br />
moment is crucial further up the ladder and<br />
exhibiting this at any level will demonstrate<br />
your potential to work at a senior level in credit<br />
management.<br />
However, decisiveness without the ability<br />
to learn can seriously inhibit a professional’s<br />
development. If you regularly make quick<br />
decisions, this won’t always go to plan but it’s<br />
crucial to learn from your errors to know the<br />
correct course of action in a similar situation.<br />
Strike a balance between showing you can be<br />
decisive while also recognising the impact of<br />
your decisions in order to demonstrate that you<br />
can operate at a senior level.<br />
TAKE PRIDE IN YOUR WORK<br />
Having an admirable approach to work is<br />
different to having achieved a lot in a particular<br />
role or being willing to work extra hours<br />
when required. Professionals who exhibit a<br />
commendable work ethic get to the top by<br />
showing how they go above and beyond to<br />
benefit the business. This might take the form<br />
of achieving extra qualifications, attending<br />
network events, gaining international<br />
experience, working closely with different<br />
functions in the business or getting involved<br />
with external industry events.<br />
If you go the extra mile by doing these things<br />
you’re revealing your ambition, self-motivation<br />
and proactiveness through the way you work.<br />
These qualities are present in senior leaders<br />
across all professions so making sure they shine<br />
through is key to advancing your role.<br />
While you can’t write a prescriptive list<br />
detailing you how to get to the top in credit<br />
management, acting on the above points will<br />
ensure you are doing what you can to reach your<br />
potential. Along with personal traits, strategic<br />
career moves and the occasional bit of luck,<br />
you can propel yourself to where you want to<br />
be while contributing to a workforce that works<br />
harder and smarter and gets better results.<br />
Karen Young is Director at Hays<br />
Credit Management.<br />
The Recognised Standard / www.cicm.com / <strong>May</strong> <strong>2019</strong> / PAGE 54 The Recognised Standard / www.cicm.com / <strong>May</strong> <strong>2019</strong> / PAGE 55