Paul Murphy Qfa Email & Phone Number

Dublin

Cabinteely

Dublin

• Leading a team charged with reducing a commercial loan portfolio in line with LGB/Bank of Scotland Plc exit strategy.
• Involves development, recommendation and implementation of strategies for various borrowers including restructures, forebearance, receivership and/or litigation where appropriate.
• Engaging with borrowers to examine refinance and/or settlement proposals.
• Engagement with third party professionals to implement agreed credit strategies.
• Reviewing and monitoring team compliance with operational, credit, risk and regulatory requirements.
• Mentoring, coaching and performance management of the team.

Dublin

• Responsible for managing a portfolio of high net worth corporate/commercial borrowers involved in Property Investment and Development and to secure all additional lending needs.
• Exceeded all agreed annual lending and cross-sales targets in line with credit parameters.
• Achieved personal drawdown figures of €24m (2006), €110m (2007) and €40m (2008) before secondment to Group Deposits (see below).
• Responsible for divisional integration and training of colleagues on new Credit Risk Grading System.
• Following the financial crisis in 2008 responsible for the proactive management and risk assessment of a portfolio of c.50 borrowers in line with agreed procedures.
• Analysis of Borrowers financial circumstances and recommendation of borrower specific strategies.

Dublin

• Responsibility for driving growth in deposit funding from large and medium sized businesses by maintaining existing customer relationships and through initiating new customer contacts.
• To provide competitive rates and flexible deposit structures to private and corporate/commercial customers to meet both short and long term deposit needs ranging from daily deposits to longer term requirements.
• Developing relationships with clients through client visits and telephone discussions.

Dublin 2

• Member of team of three comprising Senior Manager and Lending Manager. Team portfolio consisted of approximately 50 connections with total exposure of c.€1.5bn with single connection exposures in excess of €500m.
• Integral member of a team responsible for managing a portfolio of high profile and high net worth customers with personal responsibility for c.15 connections with an exposure of c.€150m.
• Identified and pursued new lending opportunities from within existing portfolio and from new customers.
• Cultivated cross-sales opportunities for clients.
• Prepared and presented credit applications for Credit Committee and International Sanctioning.
• Mentored and coached junior/new staff to assist with their development.

IFSC, Dublin 2

• To pilot & deliver a dedicated pro-active mortgage pipeline management service to Bank of Ireland Senior Business Managers (SBM) dealing with top 5% clients.
• Provision of weekly & monthly M.I.S. reports to each SBM to ensure all applications proceeded to drawdown by expected closing date.
• To act as a point of reference for all queries / issues arising with mortgage applications.
• Communicating credit policy changes to maintain application quality.

Perth, Western Australia

• To promote and provide BankWest Business & Commercial products to accredited intermediaries as part of a new Business Lending Department.
• To identify potential business opportunities and negotiate with intermediaries, accountants & clients to deliver BankWest business banking solutions.

Dublin

• To administer a Lending portfolio of commercial and agri accounts with a value of IEP £25M
• Monitoring of customer credit grades.
• Payment or non payment of cheques presented on out of order accounts.
• Initiating corrective action regarding arrears and deteriorating profiles.

Professional Diploma In Financial Advice (Qfa)

Qualified Financial Advisor with APA Designation Held for Loans, Savings & Investments, Life Assurance and Pensions

Diploma In First Line Management, Mangement And Leadership

Diploma examining core line management skills including Leadership and Communication, Business Management and Legal and Regulatory.

Qualified Accounting Technician, Accounting And Finance

Education record