Bank Workout Agent

Morgan McKinley is partnering with a leading Irish bank to hire for a workout agent in the arrears department in their head office.

Location: Dublin

Your Role:

As a Workout Agent, you will look to resolve the arrears issues with borrowers prior to the accounts moving in towards the Legal Department within the bank and for completing Standard Financial Statements with customers and explaining their subsequent restructure offer.

Your Responsibilities:

• Learn new skillsets with regards to procedures around Provision 28, 29, 45 and 47 of the CCMA.
• Develop and grow your knowledge with regard to procedures around CPC accounts and the appointment of a Rent Receiver.
• Negotiate with customers immediately prior to the bank moving to Legal proceedings.
• Deal efficiently with incoming calls from customers, branches and authorised 3rd parties where relevant.
• Adhere to the bank's credit policies and procedures in relation to control, compliance and risk mitigation.
• Deal with restructuring queries on customers' mortgage account within company policy and the appropriate regulatory requirements.
• Efficient and effective handing of inbound and outbound telephony activity. Review and update customer information on relevant systems.
• Effective logging/entry of customer complaints (verbal) to the Complaints system.

Requirements:

• Ideally have previous experience in debt resolution.
• Effective call handling skills to ensure that customers are dealt with in a professional manner whilst also showing understanding to customers who may be faced with financial difficulties.
• Possess a detailed understanding of relevant legislation, i.e. Code of Conduct on Mortgage Arrears, Consumer Protection Code 2012 and the Minimum Competency Code and how these apply to our day-to-day interaction with customers.
• . APA/QFA is required in order to be in a position to discuss with customers product information and give advice in relation to forbearance options.
• Ideally currently working in a controlled function role, i.e. APA role
• Excellent PC skills (use of database, Word, Excel, Outlook)

• Knowledge of CCMA, CPC and MCC and how these apply to our day to day interaction with customers
• Excellent PC skills (in particular Word and Excel)
• Excellent attention to detail and organisational skills
• Ability to work in a team environment and is flexible
• Financial / Mortgage market awareness.
• Potential To develop Credit Decision making skills

If this sounds like you, apply today with a copy of your CV!