Direct message the job poster from Eolas Recruitment
Eolas Recruitment IT Specialists (Permanent & Contract)
My Dublin City Centre based client is recruiting for a Debt Restructure Agent. This is a 6-month contract working on a hybrid model.
Job Responsibilities
* Engage directly with customers in arrears to explore and agree on sustainable long-term solutions for mortgage issues.
* Build strong customer relationships and handle complex arrears situations with professionalism.
* Conduct thorough completion of Standard Financial Statements with customers via phone, maintaining high accuracy and attention to detail.
* Provide constructive feedback to customers regarding expenditure levels that exceed or fall below acceptable thresholds.
* Analyze customers’ past payment behavior and evaluate their current financial position, including income and expenditure.
* Perform in-depth financial assessments and propose appropriate recommendations tailored to customers’ situations.
* Ensure fair and consistent treatment of all customers during routine activities, including credit assessments and resolution strategies.
* Review available options with customers in accordance with regulatory guidelines and escalate cases with recommendations to senior management when necessary.
* Execute tasks in strict compliance with established policies, procedures, and relevant regulations, meeting specified deadlines.
* Discuss potential property disposal options with customers when mortgage sustainability is unachievable.
* Manage incoming calls and correspondence effectively to ensure efficient service delivery.
* Foster positive relationships with third parties, such as debt mediators, to support customer outcomes.
* Maintain consistent follow-up and communication with customers to monitor progress and case development.
* Record detailed and accurate information on internal systems and tracking tools.
* Demonstrate accountability and maintain a proactive approach in managing case portfolios and supporting senior management with ad-hoc inquiries.
* Collaborate with various departments to achieve team and organizational objectives.
* Actively contribute to regular team meetings and discussions.
* Immediately log and address errors or incidents, coordinating with relevant stakeholders for resolution.
* Take responsibility for resolving errors and customer complaints, ensuring a positive resolution experience.
Experience Required
* Previous experience in financial services, particularly in customer service and mortgage debt resolution within a phone-based environment.
* Expertise in credit analysis, underwriting, and debt resolution.
* Strong negotiation skills to facilitate suitable solutions for challenging arrears scenarios.
* Competence in evaluating borrowers’ financial situations, including payment histories and financial profiles, to determine appropriate solutions.
* Ability to recommend suitable payment options with detailed justifications based on financial evaluations.
* Flexibility and adaptability to undertake additional responsibilities as required.
* Detail-oriented with a strong focus on quality and accuracy.
* Self-motivated with the ability to work independently.
* Thrives in dynamic, fast-paced, and deadline-driven environments.
* Excellent teamwork and collaboration skills to meet shared goals.
* Strong organizational, written, and verbal communication abilities.
Essential and Desirable Skills
* Previous experience in financial services, particularly in customer service and mortgage debt resolution within a phone-based environment.
Educational Requirements
* QFA or APA (Loans) qualification is required as a minimum.
Contract Role
Working on a hybrid model.
Seniority level
* Mid-Senior level
Employment type
* Contract
Job function
* Finance
* Industries
* Financial Services and Banking
#J-18808-Ljbffr