Independent Contractor - Regulatory File Audit for adherence to regulatory and statutory codes (CPC, CCMA, SME, DPA, AML) set up of the audit scorecard and compilation of findings into written report for presentation to client.

Varied Project work including due diligence, audit and re-underwriting of residential mortgage portfolios for multiple loan books for sale, SME and CRE loan books, both performing and non-performing. Preparation and production of company policies, procedures, process maps and letter templates applicable for mortgage originations, mortgage loan servicing projects and CRE Lending projects.Preparation of scorecard for CCMA (Code of Conduct for Mortgage Arrears) review for client mortgage… Show more Varied Project work including due diligence, audit and re-underwriting of residential mortgage portfolios for multiple loan books for sale, SME and CRE loan books, both performing and non-performing. Preparation and production of company policies, procedures, process maps and letter templates applicable for mortgage originations, mortgage loan servicing projects and CRE Lending projects.Preparation of scorecard for CCMA (Code of Conduct for Mortgage Arrears) review for client mortgage book servicers including reviews on client sites and preparation of reports for clients with recommendations. Preparation of manuals, procedures and handbooks for mortgage originations, mortgage servicing and Commercial Real Estate lending in compliance with CPC, CCMA and SME codes of conduct.Preparation of process maps for internal department due diligence work, CCMA reviews, underwriting, data recording and scorecards.Arrears Support Unit telephone calls audit. Ensuring full compliance with CCMA, Data Protection and CPC. Reviewing and scoring sample calls from teams within the Arrears Support Unit. Reviewing scorecards following regular management meetings, and ensuring all data gathered is relevant. Analysing results, ensuring quality control of data at all stages and contributing to overall monthly report to management. Show less

Preparation of month end management accounts and investor reports including comparison against budgets and prior year. Bank and Balance sheet reconciliations; Cost and revenue analysis; VAT & PAYE & CRO Regulatory returns. Preparation of board reports, presentations, investor reports, financial returns. Preparation and production of year-end financial accounts. Preparation, analysis and monitoring of KPI reports for various businesses.

Auditing AIB bank centre mortgage ASU residential and Buy to Let pre arrears and arrears collections and resolution cases to validate compliance with MARP process.

Consistently delivered on service levels between underwriters and business managers through robust relationship development Prepared and submitted annual car dealer reviews for stocking facilities to credit committee.Prepared and Reviewed Mortgage restructures decisions for distressed loan book.Reviewed and Approved finance applications for commercial and consumer auto and personal loan book. Prepared monthly and quarterly balance sheet reconciliations and journalsAssessed… Show more Consistently delivered on service levels between underwriters and business managers through robust relationship development Prepared and submitted annual car dealer reviews for stocking facilities to credit committee.Prepared and Reviewed Mortgage restructures decisions for distressed loan book.Reviewed and Approved finance applications for commercial and consumer auto and personal loan book. Prepared monthly and quarterly balance sheet reconciliations and journalsAssessed and reviewed all system decision declines and overturned decisions when appropriate within policy.Maximised return on investment for the company by underwriting restructuring deals to meet business and customer long term requirements.Liaised with internal and external stakeholders and ensured invoices paid within terms.Implemented new Accounts Payable system and alternative supplier payment options. Following a successful 2 years within Direct Sales and Channel Services, I was promoted to Team leader. Ensured team members were trained and work load was prioritised.Developed and implemented processes for referrals and appeals.Designed and maintained internal databases to produce required sales reports. Show less