Stephen Cleary Email & Phone Number

Kilkenny, County Kilkenny, Ireland

County Kilkenny, Ireland

This is a dual role in where I conduct financial needs reviews with Bank of Ireland customers and complete and assess online and telephone personal loan applications. Eductate customers in the areas of mortgages, pensions and life protection products.

Capita Offices Maynooth & Grand Canal Square Dublin

During this period I actively managed a portfolio of high net worth client connections for Cerberus European Services. Management of cross secured connections and assets through the CCMA process and appointment of Fixed asset receivers.Presentation writing and submissions of Business Proposals and credit papers to the clientThis was high pressure.

Maynooth Business Campus, Maynooth Co Kildare

Worked in a Quality Centre Testing environment assisting with the implementation and role out of a new collections software programme while waiting on a business mandate to go live. Also responsible for Data analysis and KPI monthly reporting on the ACC mandate

St Stephen's Green Dublin

Working within the Certus Arrears Support Unit assessing forbearance application in particular applications for capitalisation and transfer of equity.

Dublin City Centre

Meeting serious distressed mortgage account holders. Assist with completion of standard financial statements and preparation of strong restructure proposals. Presentations of proposals to the Bank's Arrears Support unit. Support role to 4 external mortgage counsellors

Managed a large portfolio of 12+ mortgage arrears cases progressing through the court system. offering advice to customers on the mortgage arrears litigation processes. Assessing shortfall settlement and voluntary surrender applications. Attending repossessions, liaising with solicitors and sheriff offices to secure order for possessions and executing same.

Dublin

Managed a portfolio of seriously distress mortgages that were in the legal process.

Halifax Portlaoise

Trainee mortgage advisor and retail banking sales within the Halifax Branch in Portlaoise. This was high target level and cross sales environment in which I excelled. I continuously achieved targets in cross sales and referrals to Irish Life Financial Planning Advisors who attended the branch

Edinburgh, United Kingdom

I worked within the legal collections unit within HBOS. Liasising with solicitors and sherriff offices in regard to the enforcement of Order for Possessions and judgements.

Edinburgh, United Kingdom

• Supporting agents and trustees who are administrating the cases.
• Consulting with other government agency and financial institutions
• Being in daily contact with members of the public providing them with information regarding the bankruptcy process and the role in which the accountant plays in the process.
• Auditing accounts.
• Preparing and issuing statutory and court documents on the day of receipt
• Being empathic towards all customers due to the sensitive nature of the Bankruptcy process.

Bachelor'S Degree, Business & Human Resource Management, Honours

Activities and Societies: Squash & Golf

Advanced Certificated In Credit Union Practice, Passed

Qfa, Ccma, Fccc

Higher National Diploma, Hotel Catering & Institutional Managerment

Activities and Societies: Orienteering club

Education record

Activities and Societies: Gaelic Football