Structuring bad debt portfolio and agreeing strategy for restructure, recovery or debt sale.Establishing parameters for portfolio segmentation and identification.Reviewing individual case files for appropriate case management. Assessment of bad debt provisions and loss forecasts. Liaising with stakeholders to maximise debt sale returns and minimisation of losses

Ensuring implementation of 'best in class' collections practices in order to maximise recoveries and minimise losses. Redesigning credit policy and internal procedures. Oversight of two large teams in separate locations and managing closure of one satellite unit. Ensuring smooth transition of workload to a central location along with phased recruitment of staff to new unit and restructuring department structure.Mentoring, coaching training and performance management of staff in addition to introducing new training programs for new staff.Managing cost base for unit and within wider departmental budget which included reduction in FTE.Maintaining relationships with key stakeholders; both internal (Credit, Policy, Strategy, Risk and Compliance etc.) and external (solicitors, estate agents, 3rd party suppliers etc.) Re-engineering internal processes and practices to streamline collection activities.Setting staff targets, goals and introduced new performance monitoring MI including implementation of AOMi operations program on team.Overseeing training requirements for own unit and wider team. Along with wider management team, influencing departmental targets, practices, staffing requirements etc. Achievements:Maintained consistent reductions of Debt Recovery book following implementation of new practices, restructuring of team and increased coaching/mentoring.Achieved a c. 20% reduction Debt Recovery book within 18 months.Record collections figures posted by the unit, representing a 40% increased on 2013 collections. Doubled 'return to growth' case volumes within 16 months and reduced overall case load by c. 30% within the same period.Net bad debt charge returned to nominal levels following successive years of significant charges.Secured overall reduction in FTE from c. 60 at peak to c. 40 within a 12 month period. Overall cost base for unit reduced year on year in line with budget.

Establishing and maintaining strong bank/client relationships with a portfolio in excess of 50 clientsIdentifying and meeting client needs.Assessing clients' financial/banking circumstances and tailoring banking options to mutually benefit client and bank.Negotiating and influencing outcomes on behalf of both client and bank.Managed and minimised provision allocation and bad debt charge for portfolio and within region targets.Preparing credit reports and proposals for consideration by underwriting team which included debt restructuring and application for new funds.Challenging the 'status quo' both internally and externally.Establishing own milestones in order to meet set targets.Mentoring, training and performance management of staffCollaboration between wider management team.Maintaining hygiene standards with regard to regulatory and compliance requirements with all internal and external audits/reviews passed Presenting credit-related recommendations to senior management team and underwriting department for consideration.

Acting as liaison between client and Senior Business Manager.Reviewing client proposals, assessing financials and preparing credit reports to Senior Business Manager/underwriting.Oversight and implementation of regulatory/compliance requirements across portfolio.Managing day-to-day banking/admin requests for clients.Training and mentoring of new/junior staff across wider team.Preparing and compiling various returns for onward submission to internal departments (senior management, credit, policy etc.) and externally (Central Bank etc.).Completion of various initiatives and campaigns for wider management team, including presentations to senior management.

Support to Business Manager and wider Business Banking team.Compiling of client proposals, information and preparing credit reports on behalf of Business Manager.Attending bank/client meetings in a support capacity.Completion of day-to-day banking and admin functions.Liaison between Business Banking team and various internal departments (Credit, Securities, Compliance etc.).Training of junior staff across wider team.