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MORTGAGE ARREARS - FINANCIAL STATEMENTS
Company:SIGMAR RECRUITMENT |
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Job Reference Number |
14571721 |
Client ID: |
RI/MARFSS |
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Posted On: |
Feb 21 2012 |
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Location: |
DUBLIN, DUBLIN CITY CENTRE |
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Job Type: |
Contract |
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Salary: |
NEGOTIABLE |
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Under MARP the customer must complete a Standard Financial Statement (‘SFS’) and provide supporting documentation, which is submitted to the Bank for consideration. The Assessor’s role is to assess the customer’s request for forbearance and to determine the most appropriate forbearance option, taking account of the customer’s personal circumstances, overall indebtedness and the information provided in the SFS. The objective is to make decisions which are in the best interest of the customer and the Bank and which are in line with CCMA and the Bank’s Credit Policy Guidelines.
Key Responsibilities
• Ensure all Standard Financial Statements are thoroughly assessed in a consistent manner.
• Seek clarification for any inconsistent information, unusual expenditure patterns, repayment allocations
• Recommend /approve robust, sustainable solutions in accordance with the Group’s credit forbearance policy, compliance and audit requirements
• Communicate with key stakeholders – customers, Branch Network Account Managers, other ASU colleagues.
• Support team leader/complete ad hoc tasks as required.
Key Requirements
• Full understanding of the CCMA and the Group’s Forbearance Policy.
• Strong credit and analytical skills, with an ability to assess financial and non-financial information provided as part of the process.
• Proven decision-making capacity, with an ability and willingness to constructively challenge key inputs and assumptions.
• Strong negotiation skills with a focus on reaching mutually agreeable solutions, within the spirit of the code.
• Strong verbal and written communication skills with the ability to articulate and document the rationale for decisions and a willingness to convey negative outcomes.
• Strong PC skills.
• Be self-motivated and have the ability to work collaboratively with various stakeholders
• Have the required MCR qualifications, or commit to achieving same within an agreed time period.
Competencies
• An understanding of the mortgage product and/or a background in consumer collections.
• Organised, efficient and capable of working to tight deadlines
• Resilient and empathetic
• Adaptable – the process for dealing with mortgage arrears is evolving and therefore the role-holder will be exposed to ongoing change in line with changing Group credit policy and Long Term Forbearance Solutions.
