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BA Finance & European Languages

Maynooth University

Leaving Certificate

Salesian College 

Work experience

Career Break

Feb 2011Jun 2014

Credit Services Manager

Nov 2008Feb 2011

Assistant Mgr 

Lending Operations
Manger Main Responsibilities: Manage the Lending Services Team for the Irish Commercial Lending Division with a current staff count of ten. Co-ordinate and manage daily workflows of all administrative and operational duties for the commercial loan book, including SWIFT, EFT payments and account reconciliation vis--vis nostro management and TLM(Transaction Life-cycle Management) Co-ordinate all account openings for commercial loan accounts in accordance with loan documentation and ensuring regulatory and compliance duties are fulfilled-eg Client Anti-Money Laundering documentation. Ensure the quality of service provided to our stakeholders is maintained to a very high standard. Conduct regular meetings on behalf of lending services division with business partners to ensure our excellent working relationships are maintained. Business partners include Lending, Group Risk, Internal Audit and Compliance. Monitor and assess development needs for staff and implement and development plans as required. Perform staff appraisals on quarterly basis with annual reviews and goal settings conducted. Ensuring all operational risks are mitigated against and seek to ensure Banks policies and procedures are adhered to at all times. Perform daily control report checks analyzing COB data and ensuring all checks are completed in accordance with internal procedures. Providing monthly/quarterly reports to senior management on wide range of areas from staff performance to impaired loans and a variety of other income statistics. Project: Implemented a new operational banking system ensuring smooth transition and indentify and IT development needs, particularly in the area of compliance and regulatory requirements. Member of Operations“ NAMA team” where my responsibilities were to draft a full range of operational procedures in advance of the implementation of NAMA, also producing for Senior management a strategic white paper on the operational impact of NAMA and best practices going forward(including Nostro impacts with SWIFT and EFT funds, both incoming and external)
Nov 2006Nov 2008

Team Lead

Assistant Manager: Main Responsibilities: Manage North American Operations team(5 people)-which looked after all operational and administrative duties for the Commercial Loan book in North America. Liaise with key stakeholders, including syndicate partners and servicing agents-eg-Capmark/Trimont. Regular Conference calls with organizational heads conducted to ensure a good relationship is maintained and to assess any potential risk gaps. Work closely with North American divisions, both lending and treasury, building relationships with an aim at ongoing improvement in service monitoring and assessing of operations risk-documenting and implementing procedural changes. Attending Credit Committee and ensuring all due diligence is followed up on with respect of legal documentation-Co-Lender Agreements, Loan agreements, Facility letters etc.' Ensuring all FX deals, derivative products are executed correctly and client accounts maintained to a high standard. Providing monthly/quarterly reports to senior management on wide range of areas from loan activity to interest income reports. Manage all draw down requests from solicitors/escrow agents ensuring all pre-conditions and security in place prior to disbursement of funds working to strict deadlines. Manage client requisition for funds ensuring no breaches of credit policy and all Anti-Money Laundering procedures are adhered to. Manage all transactions for my team, ensuring all nostros are reconciled at all times. Work closely with key departments within the organization such as Treasury and Lending. Write to clients monthly with respect of debt cover-being the key point of contact for any credit management queries. Perform staff appraisals on quarterly basis with annual reviews and goal setting conducted annually. Implemented innovative Communications team to improve internal relationships between Senior Management and staff.
Jan 2001Oct 2006


Oct 2004Oct 2006

Senior Bank Official October 04-October 06

Bank of Ireland

Senior Bank Official Main Responsibilities: Me

ntor specialist personal loan team(9 people) Support senior management with regular feedback and reports on section. monitoring and assessing branch network lending providing critical advise/support to minimise potential loss to the Group. Resolve ongoing credit issues/policies within the Group. Implementation of Bank Credit strategy and regulatory practices i.e. Basel 11 Supervision and start up training of other staff members as and when necessary Perform staff appraisals, interim and end of year. Implement staff Engagement impact plans. Ad-hoc profit/sales potential analysis Liaise with the branch network/Financial Advisors to discuss particular credit decisions and practices. Direct point of referral for underwriters/branches/customers who may require advice/assistance. Conduct interviews on a regular basis for both internal promotions and new entrants to the Group. monitor personal loan book and proactively seek to address deteriorating trends and seek resolutions to miminise Group loss and impact on our bottom line, utilizing and assessing Groups scoring procedures and practices, eg Behavioral Scoring

Jan 2001Oct 2004

Lending Controller

Bank of Ireland
Lending Controller Main Responsibilities: Monitor personal current accounts. Provide Customer services to Bank of Ireland account holders. Credit decision with regard to personal lending.(I.e. Overdrafts. Personal loans, Credit cards etc) Provide financial advice to customers on a broad range of financial topics/products available. Direct point of contact for branches and customers with credit queries. Working as an underwriter, making credit decisions on loans/overdrafts. Key supporter and responsible for implementation of Group Credit centralization of tasks.