As Senior Manager I lead & managed the performance of a team of 13 direct reports at various levels from Manager to Executive, in the mgmt of a high volume portfolio totalling €750m with exposures up to €20M to Corporate, Commercial, SME & Personal borrowers in compliance with all Regulatory Codes. Key areas of accomplishment focused on negotiating & maximising debt recovery with an emphasis on orderly exit strategies, protecting cash flows from secured assets, security remediation, readying assets for sale & co-ordinating various client loan portfolios sales to achieve Debt Reduction targets. Worked closely with the Regional Director in the day to day management of the Regional Office & 30 employees within a fast paced, pressurised working environment where timely delivery of targets were of the essence in achieving agreed Critical Service Levels under Certus Client contract.Managed & promoted colleague understanding to ensure full compliance with all credit, risk & regulatory policies & targets set by Client.Mentored colleagues on case management and case strategy.Received Delegated Sign off Authority from Head of Function on all Credit strategies & Provisions recommended to Credit Sanctioners for approval.Championed two initiatives for the Office: Co-ordination & collection of accurate Balance Sheet Reduction data for Client & Data Collection & Verification process for Client Portfolio Sales. Engaged and negotiated with Key Stakeholders building strong relationships to ensure the delivery of agreed Client Critical Services Levels, projects & accurate timely mgmt information. Co-ordinated Loan & Provision Reviews with Client to incl: site visits and up dates on strategies. Managed changes to work procedures to optimise workflows & ensure compliance with all Regulatory Codes.Liaised with panel professional, borrowers and their professional advisors to progress successful outcomes.

Business development, cross sales & management of portfolio across all sectors including Corporate, Commercial, SME, Property and high net worth individuals throughout Ireland with some additional exposures into the UK and mainland Europe. My responsibilities included:-Leading mentoring & performance managing a team of 10 direct reports to ensure the optimum performance of colleagues in the delivery of Regional and Office targets.Lead and managed this team in all aspects of the management a Loan Portfolio of €1bn – from “Performing” Book to “Non - Performing” Book. Consistently delivered on personal and team business targets e.g. new lending and cross sale targets, profit and net income targets through “hands on“ Customer relationship management, new business focus with existing and new clients and introducers through the provision of banking financial solutions.Assessed and signed off on all recommended Credit proposals submitted by the team to the Banks Credit Committees for decision.Followed through on all aspects of approved facilities to ensure disbursement and the achievement of business targets.Carried out annual reviews on all client facilities in line with Bank policy. Reviewed and implemented Bank security and security remediation.Restructure and Recovery of non performing loans - worked with individual customers and their financial advisers to identify, where possible, work out solutions to ensure business survival and minimise / eliminate loss to the Bank. Monitored the collection of arrears in order to meet specific monthly collection targets.Liaised with professionals such as Solicitors, Accountants, Insolvency Professionals, Estate Agents, Planning Experts, Architects, Quantity Surveyors etc to build strong working relationships.Ensured Team compliance with all risk and regulatory policies.Liaised with all key internal stakeholders to ensure business requests for information and projects were completed accurately & in a timely manner.

Business development, cross sales & management of portfolio of commercial property & business banking loans throughout Ireland with some additional exposures into the UK and mainland Europe. My responsibilities included:-Leading mentoring & performance managing a team of 4 direct reports to ensure the optimum performance of colleagues in the delivery of Regional and Office targets.Lead and managed this team in all aspects of the management a Loan Portfolio of €270m – “Performing” Book and "Non Performing" Book. Consistently delivered on personal and team business targets e.g. new lending and cross sale targets, profit and net income targets through “hands on“ Customer relationship management, new business focus with existing and new clients and introducers through the provision of banking financial solutions.Assessed and signed off on all recommended Credit proposals submitted by the team to the Banks Credit Committees for decision.Followed through on all aspects of approved facilities to ensure disbursement and the achievement of business targets.Carried out annual reviews on all client facilities in line with Bank policy. Reviewed and implemented Bank security and security remediation.Restructure and Recovery of non performing loans - worked with individual customers and their financial advisers to identify, where possible, work out solutions to ensure business survival and minimise / eliminate loss to the Bank. Monitored the collection of arrears in order to meet specific monthly collection targets.Liaised with professionals such as Solicitors, Accountants, Insolvency Professionals, Estate Agents, Planning Experts, Architects, Quantity Surveyors etc to build strong working relationships.Ensured Team compliance with all risk and regulatory policies.Liaised with all key internal stakeholders to ensure business requests for information and projects were completed accurately and in a timely manner.

Assistant Lending Manager with responsibility for managing a loan portfolio of c. €170M. Responsibility for generating new business and cross sales targets from existing and new customers relationships. Analysis of client proposals and presentation of risk assessed applications to the Banks Credit Committee for dcision. Managing risk within the portfolio. Managing a large syndicated loan exposure on behalf of Senior Manager liasing with other Syndicated Banks in respect of the management of this exposure.