Seán C. Email & Phone Number

Dublin, County Dublin, Ireland

Dublin

Dublin, Leinster, Ireland

Clonskeagh, Dublin 4

- Managing a portfolio of 130 clients covering 225 mortgages with a total monetary value of approximately €61 million. - Working to monthly and quarterly targets including ensuring each client is contacted at least once per month, demonstrating a keen focus for full compliance with company policies and Central Bank guidelines, and making sure each case progresses in the relevant manner.- High focus on client engagement, establishing and maintaining relationships with clients and nominated third parties. - Negotiating full and final settlement offers with clients and presenting same to internal stakeholders and all levels of the organisation. .- Dealing with Top exposure client accounts. Top exposure is considered as any client with total borrowings in excess of €1M EUR. - I am solely responsible for my organisations buy to let loan book. - Completing standard financial statements with clients to ascertain their financial circumstances with a view to devising realistic and achievable resolutions based on this analysis.- Challenging all unsecured debt and ensuring mortgage is priority payment.- Reviewing all options as outlined in the Financial Regulator’s code of conduct for mortgage arrears and bringing these cases for discussion to senior management along with own recommendations.- Escalating unsustainable mortgages to the litigation stage.- Implementing longer term payment arrangements with clients with a view to ensuring that they can eventually return to consistent full payments. - Dealing with long-term arrears and non-co-operating clients and working to ensure these return to a performing account status. - Maintaining and monitoring ongoing contact and follow-up with clients.- Create and update monthly reports for management review.- Involved in extensive Testing project for introduction of new systems and subsequent training to colleagues across the organisation.

Dublin

- Responsible for handling the interaction with various third party outplacement firms used by the AMU to drive collections performance improvements (typically for debt collections activity).- Responsible for the day to day operational interaction with outplacement firms to ensure they are consistent with bank strategy for the portfolio together with the preparation of cases prior to outsourcing. Interaction and liaison with AMU colleagues on Non-Performing portfolios.- Support in the implementation of a collections process for unsecured debt.- Administration of payments from customers and payments to outplacement firms.- Packaging and monitoring of settlement offers from customers for decision by the appropriate credit authorities of Permanent TSB. - Interaction with Permanent TSB support functions to ensure smooth interaction between the bank and the third party outsourcer.- Responding to queries on accounts from outplacement firms, internal support functions and customers.- Administration of data to / from agencies, e.g. new business & closure files.- Assist in the collection process on accounts including handling customer queries.

Dublin

-Dealing with Mortgage accounts from the original default through the later Collections process right up to Litigation stage.-Dealing with Unsecured Debt (Term Loans, Visa Accounts, Current Accounts)-Full knowledge of legislation, (CCMA , CPC, DPA, PIA, AML)-Negotiating deals and taking payments while working towards strict targets (Cash, PTP’s & SFS Appointments).-Assessment and analysis of Standard Financial Statements: Assessing customer’s financial circumstances, guiding them through the Mortgage Arrears Resolution Process; recommending treatments, issuing regulatory letters such as Provision 28 & 29 under CCMA along with Formal Demands to un-engaging customers when necessary.-Dealt with Third Parties such as Debt Management Companies and Government Agencies and Solicitors.-Discussing sensitive issues such as Assisted Voluntary Sales of both Home Loans & Buy-to-Lets: Here I have used my communication skills along with my in-depth knowledge to convince the customer that the sale of the property is the best option for them in a firm but professional manner.

Key responsibilities included:- Main customer services liaison for the Irish operation providing assistance to internal and external customers. I am constantly in contact with claims assessors and policy services staff to provide assistance.- Excellent phone skills required. Dealing with policyholder’s queries and complaints in a calm and knowledgeable manner. Speaking with corporate clients regarding mutual customers, commission payments, product knowledge and sales support.- I provide assistance to brokers, branches and dealerships regarding issues concerning new business, post sales and products knowledge. This requires an excellent understanding of all procedures, product details and policy documentation. - Preparation of weekly and monthly sales support MI for clients. These are extensive reports which provide vital statistics. Ad hoc duties are normal here also ie. Requests from Financial Regulator and clients.- Preparation of monthly commission statements for clients along with payments requisitions. I then act as liaison between the client and finance department to resolve any issues. I also manage the bank accounts for premium collections and claims payments relevant to our main client, Ulster Bank.- Managing the complaints file corresponding with the Insurance Ombudsman. This task has involved attending the High Courts in order to witness cases on behalf of our compliance department to whom I then relay details to.- Providing assistance to operations manager where required. I have experienced exposure to and assisted on several large projects launching new products and providers.- I manage the office supplies, maintenance of the electrical equipment, IT Assistance, and also setup and control of off site storage.- Manage the upkeep of payments of invoices to creditors.- Train and support new Customer Service Staff.

Master Of Business Administration - Mba, Finance, General, 2.1

Professional Certificate In Customer Experience (Cx), Distinction

Batchelor Of Science, Business Studies Specialising In Accounting

Graduated in November 2006 Final Year Subjects: Financial Reporting, Management Accounting, Taxation, Strategic Management, Corporate.

Education record

Activities and Societies: - -