• Actively manage sizeable portfolio of customers to try and maximise recovery through ongoing negotiation, asset sale, settlement agreements and file closure.• Negotiating with customers regarding debt collection, debt structures, pricing, asset sales and security.• Appraise, report and manage the relevant credit risks and action plans on individual connections.• Maintaining relationship with customers while negotiating agreements, asset sales and legal processes.• Ensure that consistent provisioning policies are followed and operated in a fully compliant and ethical manner.• Effectively lead and motivate Business Manager Assistant to maximise performance and potential. • Ensure full compliance with mandatory SME, CPC and CCMA codes• Making recommendations for end-state strategies / restructures and facility reviews/renewals.• Ensuring acceptable credit quality standards are maintained regarding applications and files.• Identifying risk deterioration and managing same to protect both Bank and Customer.• Liaising with, and developing relationships with colleagues in other departments including Business Banking Credit, Securities, BOI Mortgage Bank and others.• Supporting senior management with local and regional objectives and targets.

• Actively manage a portfolio of 50 – 75 business and personal customers.• Meet, develop relationships and build credibility with customers to ensure successful negotiating in order to minimise risk for the Bank• Timely reporting of all reviews; achieving all required monthly reporting targets.• Develop relationships both internally and externally in order to utilise expert advice to minimise risk and loan losses.• Assess and critically review Bank’s security, evaluating value and identifying and recommending provisions for sign off. • Expanded the portfolio and developed new to bank relationships using sales process and techniques to achieve sales results and targets. • Completed high quality credit applications in compliance with policies and procedures as well as monitoring the overall credit quality of the portfolio. • Trained and mentored many staff new to Business Banking. • Transferred to Business Banking Challenged in September 2011 as I had expressed an interest in developing skills on the risk / challenged side of Business Banking where customers had existing or emerging repayment difficulties.

• Responsible for daily irregular and monthly management reports. • Sourcing new deposits and retention of existing funds upon rollover. • Management of review listings with zero tolerance policy on overdues• Assessment of lending proposals and completion of credit applications for numerous facilities,• Management of number of high profile clients requirements, reviews & credit applications.• Dealing efficiently with client queries and requests.• Credit management with strong focus on file standards• Identification of cross sale opportunities from existing client base by creating leads through regular meetings with customer base.• Networking within the BoI Group to achieve credibility with colleagues in Group Credit, Mespil Road and the Product Managers.

• Responsible for processing daily trades on a number of client accounts, meeting daily production schedules and deadlines. • Processing Corporate Actions such as mergers, stock splits and rights issues• Generating daily Income Reports to check for any anomalies or unusual activities within a range of funds.• Compiling weekly ‘Mark to Market’ reports which show the securities held by individual funds, their original cost, their calculated market values and the overall Net Asset Value (NAV) of the fund.• Dealing with client queries.

• Responsible for the Managed Funds section in the Financial Times Newspaper, meeting daily production schedules and deadlines. • Dealing with Fund Managers on a daily basis in relation to the insertion/deletion of fund listings in the newspaper.• Setting up funds in accordance with the Fund Managers specifications on database.• Gathering and providing detailed information on corporate actions, such as dividends, mergers, stock splits, closures, liquidations.• Dealing with customers queries.• Assisted in establishing new Hedge Funds team within the company