Stephen Murtagh Email & Phone Number

London, Gb

London, England, United Kingdom

London, United Kingdom

Relationship Manager in Bank of Ireland's Corporate Banking / Property Finance Team - Commercial Investment (Office / Retail), Residential Investment and Property Development (Housebuilding).

New Century House, Ifsc, Dublin

Case Manager, with a portfolio of 60 connections.Management of Personal Customers with distressed debt > €750k.Meet and discuss case with each customer to determine a workable strategy for both parties.Preparation and submission of Credit Paper which included: Background of case; repayment capacity analysis and; a recommendation of strategy.Calculate projected cashflows to ensure provision adequacy.Regular discussions with senior management on strategy of individual case.Standard Forbearance Options: Term Extension, Interest Only, Fixed Repayments, Capitalise ArrearsAdvanced Forbearance Options: Sale at Shortfall, Split Mortgage, Loan Termination AgreementEnsure security is in order and enforceable, engage solicitors to review security, and follow-up outstanding security issuesLiaise with auctioneers and solicitors with regard to sale of properties, ensuring the Bank achieves its minimum asset disposal target amountComply with all Bank policies and CCMA, MARP and CPC

Airside Business Park, Swords, Co Dublin

• Working as a credit analyst, with a portfolio of 30 clients• Management of personal and SME customers with distressed debt of €0.5-€5m• Analyse and assess customer’s financial position from their Net Worth Statement, Statement of Means and Audited Financial Accounts if applicable• Preparation of Credit Applications, including analysis of company accounts, cashflow statements, repayment capacity and security• Calculate projected cashflows to ensure provision adequacy• Regular discussions with senior management on strategy of individual cases• Restructure client’s debt in line with affordability, applying the Bank’s Customer Treatment Strategy• Standard Forbearance Options: Term Extension, Interest Only, Capitalise Arrears• Advanced Forbearance Options: Split Mortgage, Voluntary Sale for Loss, Negative Equity Trade Down, Compromise Arrangement, Low Fixed Interest Rate• Meet and negotiate strategy with client’s with aim of maximising debt recovery• Submit Credit Application to the Credit Portfolio Manager for sign-off and ensure drawdown of agreed strategy for customers• Ensure security is in order and enforceable, engage solicitors to review security, and follow-up outstanding security• Liaise with auctioneers and solicitors with regard to sale of properties, ensuring the Bank achieves its minimum asset disposal target amount• Successfully met and exceeded H1 2014 restructure targets as measured by both volume and value• Relationship management with the customer, ensuring all queries/issues are dealt with in an effective and professional manner• Comply with all Bank policies and CCMA2, MARPS, CPC and SME codes

Dublin

-Responsible for completing daily checklists for a number of funds, inlcuding reconsiling all cash and position balances to the most recent broker statements-Ensure that all cash and postion breaks are fully documented-Review all client reports-Review FX spot rates and check for reasonableness-Review MTD Profit-Loss exception report, and investigate items greater than 50bps-Managed hedge funds, and fund-of-funds dealing with Equity, Futures and Commodities-Conduct a monthly flash pack consisting of:Post NAV checksTax reports and schedulesEconomic Distribution checksReview and amend non-trading accrualsConduct a pricing reportReconcilations

-Coached a Schools and Club Programme to children aged between 5-14-Coached in many disadvantaged schools across Dublin-Class sizes ranged from 8-16-Planned and implemented a tennis programme, targeted at developing a pupil's ABC'S (Agility, Balance, Coordination and Speed) and progressing their tennis skills-Coached pupils with a disability, which required great patience and a need to motivate, encourage, and praise the pupil-Coached a higher standard of player in the Club Programme, focusing on technique and tactical play

Professional Diploma In Financial Services (Professional Banker), 2.1

Professional Diploma In Financial Advice (Qfa)

Msc, Finance And Capital Markets, 2.1

Thesis: Are Hedge Funds Superior Investments? An Analysis of Excess Returns and Performance Persistence

Bbs, Business Studies With Finance Specialism, 2.1