Underwriter Underwriting discretion of €1,000,000.Assessing complex credit proposals of both secured and unsecured submissions for forbearance and debt restructure covering private homes, buy to let properties, commercial portfolios, personal loans and credit cards.Assessing customer appeals under the Mortgage Arrears Resolution Process (MARP), reviewing colleague’s decisions and making recommendations to the Appeals Board. Assessing voluntary sale and shortfall settlement… Show more Underwriter Underwriting discretion of €1,000,000.Assessing complex credit proposals of both secured and unsecured submissions for forbearance and debt restructure covering private homes, buy to let properties, commercial portfolios, personal loans and credit cards.Assessing customer appeals under the Mortgage Arrears Resolution Process (MARP), reviewing colleague’s decisions and making recommendations to the Appeals Board. Assessing voluntary sale and shortfall settlement proposals.Assessing transfer of equity requests while applying new lending criteria.Responsible for a portfolio of interest only mortgages with a mandate to contact the borrowers with a view to addressing the capital before term end.I was also selected to work on the PTSB mortgage book for a year as a contractor for Certus, underwriting and communicating long term resolution options to customers on private homes, buy to let properties and commercial portfolios. I had an underwriting discretion of €750k during this period. Show less

Underwriter Nov 2005 – Dec 2010.Underwriting secured finance applications for motor and asset finance loans.Underwriting unsecured finance applications for personal loans.Underwriting discretion of €500,000.Preparing credit reports for credit committee in relation to loans for individuals and companies with high exposures.Sept 2001 – Oct 2005 Business Support Processing personal and motor loan applications.Liaising with brokers and garages.Analysing documents… Show more Underwriter Nov 2005 – Dec 2010.Underwriting secured finance applications for motor and asset finance loans.Underwriting unsecured finance applications for personal loans.Underwriting discretion of €500,000.Preparing credit reports for credit committee in relation to loans for individuals and companies with high exposures.Sept 2001 – Oct 2005 Business Support Processing personal and motor loan applications.Liaising with brokers and garages.Analysing documents such as bank statements and ICB reports for customers that were approved in principle for personal loans.Issuing loan cheques. Show less