JOB DESCRIPTION 

POSITION: Clerk II

DEPARTMENT: Credit Administration_ Lending 

DURATION: Permanent

REPORTING TO: Manager – Credit Administration

SUMMARY OF RESPONSIBILITIES 

The Clerk II – Credit Administration provides the interface between members applying for loans and the Credit Union. The Clerk II – Credit Administration is required to interview members and apply diligent underwriting practices, as well as, the department’s policies and procedures to determine feasibility of the loan request. The Clerk II is charged with the responsibility of recommending and/or approving loans within prescribed limits. He/she is required to provide excellent customer service to members and actively cross-sell the Credit Union’s products and services. 

The position requires an organized, confidential professional with good communication and customer service skills. 

The position reports to the Manager – Credit Administration and/or his/her designate. 

This job description is not intended to be exhaustive. Employee may perform other related duties as required to meet ongoing needs of the Credit Union. 

KEY DUTIES AND RESPONSIBILITIES 

•  Interviews members and provides discrete financial counselling when needed. 
• Processes and approves loans within the prescribed limit as set by the Board of Directors.
• Processes and recommends loans for approval that are outside the prescribed limits and/or criteria. 
• Prepares correspondence to and liaises with third party institutions (Attorneys, Insurance Companies, appraisers etc.) as relates to the assignment of collateral instruments. 
• Prepares collateral documentation for instruments to be assigned. 
• Assists with the loan disbursement process (receipt of approval loan application/files to dispatch of loan proceeds) ensuring compliance with established policy and procedures 
• Assists with the review of new delinquent accounts 
• Actively markets and cross sells the products and services offered by the Credit Union. Actively promotes new initiatives, promotions etc. 
• Effectively communicates with members (electronically, telephone, face to face etc.) and assists in resolving queries, complaints etc. Refers and/or provides feedback to Management. 
• Collaborates with and supports other departments on matters relating to Credit Administration. 
• Takes necessary steps to stay current as a Credit professional, ensures compliance with all professional and ethical standards of the profession and the organisation. 
• Assists with special projects/assignments and attends committee meetings and training as required 
• Performs other duties and responsibilities which may be assigned from time to time.  

EDUCATION AND WORK EXPERIENCE

• Associate Degree (or equivalent) in Accounting, Finance, Business Management, or related discipline. 
• Minimum of two (2) years continuous and relevant experience in Credit Administration (including loan underwriting, arrears management or related environment) 
• Working knowledge of the application of credit underwriting principles 
• Knowledge of relevant legislation and Credit Administration best practices is an asset 
• Proficiency with Microsoft Office Suite – especially Excel and Word. 
• Proficiency with relevant Credit/Accounting software an asset. 
• A combination of experience and qualifications may be considered 

SPECIALIZED SKILLS/TRAINING AND ATTRIBUTES 

• Good working knowledge and experience in Credit Administration, specifically loan underwriting. 
• Good working knowledge of credit policies and procedures 
• Working knowledge of a Credit Union (or Bank) operations, structures, risk management, internal controls, processes, products and services will be an asset. 
• Must be able to work with confidential information in a highly sensitive position 
• Good report writing, analytical and problem-solving skills 
• Meticulous, strong attention to detail 
• Able to train, mentor and coach team members as needed. 
• Must be a good communicator – with the ability to interact with all stakeholders including the Management team, internal and external stakeholders. 
• Must be able to foster and maintain a cooperative work environment 

Applications with complete Résumé should be addressed to: 

Human Resource Manager 
RHAND Credit Union Co-operative Society Limited 
#57-61 Abercromby Street 
PORT OF SPAIN 

Email: recruitment@rhand.org.tt  (Subject: Clerk II-Lending) 

The closing date for receipt of applications is: 4:00 p.m. on February 6th, 2026

NB: We thank you for your interest in working with RHAND Credit Union – please note, only short-listed applicants will be contacted.

JOB DESCRIPTION 

POSITION: Clerk II

DEPARTMENT: Credit Administration – Recoveries & Delinquency 

 DURATION: Permanent

REPORTING TO: Manager – Credit Administration

SUMMARY OF RESPONSIBILITIES 

The Clerk II – Recoveries / Delinquency Unit supports the effective management of delinquent and non-performing loan accounts within RHAND Credit Union. The role focuses on arrears monitoring, member follow-up, recovery actions, and ensuring compliance with internal credit policies, procedures, and applicable legislation. 

The incumbent serves as a primary point of contact for members in arrears, providing guidance, negotiating repayment arrangements, and supporting recovery strategies to mitigate credit risk and financial loss while maintaining professional member relationships. 

This position requires a highly organized, discreet, and detail-oriented professional with strong communication, analytical, and customer service skills. The Clerk II reports to the Manager – Credit Administration and/or his/her designate and may be required to perform other related duties as necessary to meet the operational needs of the Credit Union. 

KEY DUTIES AND RESPONSIBILITIES 

Recoveries and Delinquency Management 

• Monitors delinquent and past-due loan accounts in accordance with established arrears management procedures. 
• Contacts members in arrears via telephone, electronic communication, and written correspondence to discuss outstanding obligations and recovery options. 
• Conducts member interviews and provides financial guidance to support loan rehabilitation and repayment. 
• Negotiates and documents repayment arrangements, restructuring agreements, and follow-up actions within approved authority levels. 
• Prepares and issues delinquency notices, demand letters, and related recovery correspondence. 
• Assists with escalation of delinquent accounts for legal action, repossession, or external collection where required. 
• Maintains accurate and up-to-date records of recovery actions, member communications, and payment arrangements. 
• Ensures all recovery activities comply with Credit Union policies, internal controls, and relevant legislation. 
• Collaborates with Lending, Operations, and Branch staff on delinquency and recovery matters. 
• Maintains professional, respectful, and ethical interactions with members at all times. 
• Responds to member queries and complaints related to delinquent accounts and repayment arrangements. 

EDUCATION AND WORK EXPERIENCE

• Associate Degree (or equivalent) in Accounting, Finance, Business Management, or a related discipline. 
• Minimum of two (2) years continuous and relevant experience in Credit Administration, Recoveries, Arrears Management, or a related environment. 
• Working knowledge of credit administration, loan documentation, and arrears management practices. 
• Knowledge of relevant legislation and credit union best practices is an asset. 
• Proficiency with Microsoft Office Suite, particularly Excel and Word. 
• A combination of experience and qualifications may be considered. 

SPECIALIZED SKILLS/TRAINING AND ATTRIBUTES 

• Strong working knowledge of recoveries, delinquency management, and credit policies. 
• Understanding of credit union or banking operations, risk management, and internal controls. 
• Strong analytical, problem-solving, and report-writing skills. 
• Excellent attention to detail and record-keeping abilities. 
• Effective communication and negotiation skills, particularly in sensitive or challenging situations. 
• Ability to manage confidential information with discretion and professionalism. 
• Ability to work collaboratively and foster a cooperative work environment. 
• Capacity to manage multiple accounts, deadlines, and priorities efficiently. 

Applications with complete Résumé should be addressed to: 

Human Resource Manager 
RHAND Credit Union Co-operative Society Limited 
#57-61 Abercromby Street 
PORT OF SPAIN 

Email: recruitment@rhand.org.tt  (Subject: Clerk II-Recoveries & Delinquency) 

The closing date for receipt of applications is: 4:00 p.m. on February 6th, 2026

NB: We thank you for your interest in working with RHAND Credit Union – please note, only short-listed applicants will be contacted.