• Directed and updated the Regulatory Affairs daily planner of deadlines and activities; ensured that all deliverables for the Central Bank, Oireachtas and other external bodies were successfully completed within deadlines.• Arranged and facilitated meetings between external bodies and KBCI personnel; ensured that all follow up queries and requests were responded to in a timely manner.• Completed monthly inventory audit to ensure that all emails and deadlines were actioned appropriately; this audit also served to highlight any current or emerging trends from governing bodies.

• Directed a mortgage to rent process portfolio consisting of 250 cases.• Communicated with colleagues at all levels; fostering and nurturing solid working relationships with external stakeholders, including solicitors and housing bodies, to provide forward-thinking insights and recommendations to exceed goals.• Generated reports for submission to the credit committee, negotiated property prices with housing bodies and engaged with borrowers throughout the entire process.

• Accountable for all cases with a significant problem or issue that prevents case closure; wrote and reviewed credit papers for credit committee submissions, audited final outcome statements with receivers and arranged payments.• Negotiated with external agents to obtain fair market prices for properties, managed contracts from sale agreed, sales closing and received funds.• Conceptualised innovative resolutions for problem cases and championed solutions with senior management; attended property auctions and signed contracts as required. • Forged and maintained solid working relationships with receivers, sales agents, solicitors and auctioneers to achieve significant business benefits, secured case resolutions and transformation initiatives.

• Directed a portfolio of 600 serious arrears cases through the entire recovery and exit process lifecycle; proactively negotiated with borrowers and 3rd parties for the most suitable long-term resolutions, including forbearance, bankruptcy, receivership and voluntary sale or surrender. • Accountable for SFS income and expenditure analysis, residual balance sheet assessment, credit report generations and credit report peer reviews and monthly portfolio analysis ready for analysis review.• Participated in legal forum case reviews, prepared cases for impending court hearings, conducted face-to-face borrower and 3rd party meetings and established productive relationships with internal and external stakeholders.• Navigated emotionally charged cases by utilising a diplomatic and empathetic approach to cultivate correspondence channels with resistant case parties to conceive the best resolution outcomes to alleviate reputational risk and legal costs.

• Accountable for a portfolio of 150 distressed AIB mortgage accounts; prioritised customer engagement and re-engagement to recruit back into the MARP process. • Challenged SFS’s and built productive relationships with borrowers, submitted credit reports with proposed strategy and assessed credit reports to inform on short- and long-term strategy. • Developed a comprehensive understanding of client needs, defined project objectives, conducted feasibility research and analysis, detected engagement

• Conducted monthly quality checks for 100+ mortgage transactions to ensure 100% accuracy and compliance and ensured any errors were rectified immediately; recognised for quality efficiency and recruited by senior management and CEO's office to promptly resolve priority complaints to a high standard. • Collated and reviewed asset finance charges; investigated any discrepancies and formulated solutions as necessary. • Collected and investigated ICB errors and conceptualised solutions; liaised with the Irish Credit Bureau and completed quality checks for colleagues’ final response letters.