Commercial Servicing Relationship Manager Closing date for receipt of applications is Friday (20/12) at 17:00 About Pepper Advantage Ireland: Pepper Advantage Ireland has been instrumental in helping Irish individuals, businesses and investors navigate their financial journey since 2012. We manage over €20bn worth of assets and have a skilled team of more than 600 people across Dublin and Shannon. We’re here to service loans and mortgages which includes processing loan payments and when needed, working with customers to resolve late payments or assist with financial difficulties. As part of the international Pepper Advantage Group, we combine local knowledge with global expertise. With operations across the UK, Europe and Southeast Asia, we employ over 3,500 people and have over €50bn in assets under management. About this role: The purpose of the Commercial Servicing Relationship Manager is to provide borrower management services across a portfolio of commercial loans in line with client Service Level Agreements (SLA’s). They will manage a Portfolio of Accounts within agreed mandates for the Portfolio Manager and seek resolutions via a number of work streams such as refinancing of debt, restructure of the facilities or sale of secured assets or enforcement of security. Location: Shannon 23 months Fixed Term Contract Key Responsibilities: Engage with borrowers, seek and assess financial information, develop a strategy for each case and negotiate a deal with the borrower. Implement strategies, as directed by the portfolio manager, to maximise financial return for our clients. Implement all daily account actions in accordance with various work-streams within set mandates and as instructed by the CRE Portfolio Manager. Credit management: Ensure correspondence is issued to customers in line with mandates and acceptance of terms approved by Portfolio Manager. Monitor account performance and ensure ongoing collection of set repayments. Analysis and Reporting: Complete all ad-hoc, daily/ weekly/monthly reporting requests accurately and within the requested timeframe. Customer Service: Provide an efficient service to both internal Clients and Borrowers ensuring that quality standards and customer service levels are maintained at an appropriately high level while achieving targets in terms of efficiency and volume. Key Performance Indicators: Progression of accounts along a set pipeline. Cash collections, settlements. Relevance, accuracy and timeliness of reports. Call quality audits. Customer feedback. Skills & Experience: Accredited Product Advisor (APA) (required) with commitment to completing QFA. Third level business degree or similar qualification. Qualified Financial Advisor (Desirable). Operations Experience in a Financial Services Environment. Previous Collections and/or restructuring experience. Strong organisational skills and an ability to manage your own workload. Knowledge of relevant lending legislation and codes (Desirable). Competencies: Collections. Legal & Compliance. IT Knowledge – General Use. Accuracy & Quality. Analytical Thinking. Communication skills – Interpersonal and Written. Customer Service and Commercial Awareness. Influencing/Persuasion and Negotiation skills. Organisational Skills. Presentation Skills. Team Working. Central Bank of Ireland Requirements: Please note that this role is a Controlled Function (CF) role under the Central Bank of Ireland’s Fitness & Probity Standards and has been classified as CF3 and CF4 . CF3 is giving of advice to a customer of the regulated financial service provider. CF4 is arranging a financial service for a customer of the regulated financial service provider. Where you accept the offer of this role, prior to the appointment, you will be required to agree to abide by the Fitness & Probity Standards and complete a Fitness & Probity Questionnaire. Due diligence checks will also be completed on your qualifications and Continuous Professional Development (CPD). Pepper is an equal opportunities employer. Role Profiles are subject to change in line with business needs. For more information on this role email recruitment@peppergroup.ie #J-18808-Ljbffr
Specialist Solutions Team (SST) Relationship Manager Closing date for receipt of applications is Friday (20/12) at 17:00 Agency support not required for this role About Pepper Advantage Ireland: Pepper Advantage Ireland has been instrumental in helping Irish individuals, businesses and investors navigate their financial journey since 2012. We manage over €20bn worth of assets and have a skilled team of more than 600 people across Dublin and Shannon. We’re here to service loans and mortgages which includes processing loan payments and when needed, working with customers to resolve late payments or assist with financial difficulties. As part of the international Pepper Advantage Group, we combine local knowledge with global expertise. With operations across the UK, Europe and Southeast Asia, we employ over 3,500 people and have over €50bn in assets under management. About this role: The purpose of the Special Solutions Team Relationship Manager is to manage the relationship with a portfolio of customer accounts, to analyse accounts and offer appropriate sustainable measures for the borrower where suitable and in line with business objectives. Where an alternative arrangement cannot be offered, ensure the account is reviewed for the appropriate Resolution options. If no Resolution options are suitable, ensure the account is referred as appropriate. Ensuring that this is achieved in the context of controlled policies, procedures and legislative requirements while providing exceptional customer service and minimising risk. Location: Shannon Permanent/Full time Key Responsibilities Assess customers' circumstances through review of the Standard Financial Statement & other standard documentation. Contact borrower to review output of documentation. Ensure appropriate solutions are offered where possible in line with business strategy. Deliver clear, concise, and accurate communication to customers via phone/email or face to face. Ensure all required service levels are maintained and delivered in line with policy. Conduct all tasks in a manner compliant with all policies, procedures, reference guides and legislative requirements. Conduct all tasks in accordance with the values of the organisation in all dealings with both internal and external stakeholders. Ensure all accounts are reviewed and managed in line with company procedures. Ensure all accounts are escalated as appropriate without unnecessary delay. When dealing with customers, ensure to act honestly, fairly, and professionally and in the best interests of the customer. Attend/present relevant accounts at weekly Credit Committee meeting. Skills & Experience Leaving Certificate or equivalent. Accredited Product Adviser (Loans) / Qualified Financial Adviser (essential). Experience/Knowledge of Personal Insolvency/Bankruptcy Regulations. Knowledge of relevant mortgage lending legislation and industry requirements which may impact across the industry. Clear and full understanding of the regulatory and legal environment appropriate to the role including Consumer Protection Code and the Code of Conduct on Mortgage Arrears. Strong customer service skills, evidenced application of Treating the Customer Fairly. Proven experience in debt restructuring and demonstrated understanding of financial products. Experience in a Collections environment. Excellent time management & organisational skills. Experience in MS products (Microsoft Word & Excel is desirable). Competencies Collections Legal & Compliance IT Knowledge Accuracy & Quality Influencing/Persuasion and Negotiation skills Communication skills – Interpersonal and Written Judgment and decision-making Problem Solving Teamwork Customer Service Strong administrative & letter writing skills Regulatory Requirements for this Role Fitness & Probity Please note that this role is a Controlled Function (CF) role under the Central Bank of Ireland’s Fitness & Probity Standards and has been classified as a CF3 and CF4 role. CF3 is giving advice to a customer of the regulated financial service provider. CF4 is arranging a financial service for a customer of the regulated financial service provider. You will be required to agree to abide by the Fitness & Probity Standards and complete a Fitness & Probity Questionnaire. Due diligence checks will also be completed on your qualifications and Continuous Professional Development (CPD). Conduct Standards Please note the Common Conduct Standards under the Individual Accountability Framework apply to this role. They impose a single set of readily understood basic obligations on individuals carrying out CFs within Pepper. These standards are in line with what would be considered as good practice by individuals carrying out such functions. The standards are: Acting with honesty and integrity. Acting with due skill, care and diligence. Cooperating in good faith and without delay with the Central Bank and other relevant regulatory authorities. Acting in the best interests of customers and treating them fairly and professionally; and Operating in compliance with standards of market conduct and trading venue rules. Pepper is an equal opportunity employer. Role Profiles are subject to change in line with business needs. For more information on this role please email recruitment@peppergroup.ie #J-18808-Ljbffr
Specialist Solutions Team (SST) Relationship Manager Agency support not required for this role About Pepper Advantage Ireland: Pepper Advantage Ireland has been instrumental in helping Irish individuals, businesses and investors navigate their financial journey since 2012. We manage over €20bn worth of assets and have a skilled team of more than 600 people across Dublin and Shannon. We’re here to service loans and mortgages which includes processing loan payments and when needed, working with customers to resolve late payments or assist with financial difficulties. As part of the international Pepper Advantage Group, we combine local knowledge with global expertise. With operations across the UK, Europe and Southeast Asia, we employ over 3,500 people and have over €50bn in assets under management. About this role: The purpose of the Special Solutions Team Relationship Manager is to manage the relationship with a portfolio of customer accounts, to analyse accounts and offer appropriate sustainable measures for the borrower where suitable and in line with business objectives. Where an alternative arrangement cannot be offered, ensure the account is reviewed for the appropriate Resolution options. If no Resolution options suitable ensure the account is referred as appropriate. Ensuring that this is achieved in context of controlled policies, procedures and legislative requirements while providing exceptional customer service and minimising risk. Location: Shannon Permanent/Full time Key Responsibilities Assess customers circumstances through review of the Standard Financial Statement & other standard documentation. Contact borrower to review output of documentation. Ensure appropriate solutions are offered where possible in line with business strategy. Deliver clear, concise, and accurate communication to customers via phone/email or face to face. Ensure all required service levels are maintained and delivered in line with policy. Conduct all tasks in a manner compliant with all policies, procedures, reference guides and legislative requirements. Conduct all tasks in accordance with the values of the organisation in all dealings with both internal and external stakeholders. Ensure all accounts are reviewed and managed in line with company procedures. Ensure all accounts are escalated as appropriate without unnecessary delay. When dealing with customers, ensure to act honestly, fairly, and professionally and in the best interests of the customer. Attend/present relevant accounts at weekly Credit Committee meeting. Skills & Experience Leaving Certificate or equivalent. Accredited Product Adviser (Loans) / Qualified Financial Adviser (essential). Experience/Knowledge of Personal Insolvency/Bankruptcy Regulations. Knowledge of relevant mortgage lending legislation and industry requirements which may impact across the industry. Clear and full understanding of the regulatory and legal environment appropriate to the role including Consumer Protection Code and the Code of Conduct on Mortgage Arrears. Strong customer service skills, evidenced application of Treating the Customer Fairly. Proven experience in debt restructuring and demonstrated understanding of financial products. Experience in a Collections environment. Excellent time management & organisational skills. Experience in MS products (Microsoft Word & Excel is desirable). Competencies Collections. Legal & Compliance. IT Knowledge. Accuracy & Quality. Influencing/Persuasion and Negotiation skills. Communication skills – Interpersonal and Written. Judgment and decision-making. Problem Solving. Teamwork. Customer Service. Strong administrative & letter writing skills. Regulatory Requirements for this Role Fitness & Probity Please note that this role is a Controlled Function (CF) role under the Central Bank of Ireland’s Fitness & Probity Standards and has been classified as a CF3 and CF4 role. CF3 is giving advice to a customer of the regulated financial service provider. CF4 is arranging a financial service for a customer of the regulated financial service provider. You will be required to agree to abide by the Fitness & Probity Standards and complete a Fitness & Probity Questionnaire. Due diligence checks will also be completed on your qualifications and Continuous Professional Development (CPD). Conduct Standards Please note the Common Conduct Standards under the Individual Accountability Framework apply to this role. They impose a single set of readily understood basic obligations on individuals carrying out CFs within Pepper. These standards are in line with what would be considered as good practice by individuals carrying out such functions. The standards are: Acting with honesty and integrity. Acting with due, skill, care and diligence. Cooperating in good faith and without delay with the Central Bank and other relevant regulatory authorities. Acting in the best interests of customers and treating them fairly and professionally; and Operating in compliance with standards of market conduct and trading venue rules. Pepper is an equal opportunity employer. Role Profiles are subject to change in line with business needs. For more information on this role please email recruitment@peppergroup.ie Job Types: Full-time, Permanent Additional pay: Yearly bonus. Benefits: Company events. Company pension. Employee assistance program. On-site parking. Private medical insurance. Wellness program. Schedule: Monday to Friday. No weekends. Work Location: Hybrid remote in CO. Clare, CO. Clare #J-18808-Ljbffr
Closing date for receipt of applications is Friday (29/11) at 17:00 Agency support not required for this role About Pepper Advantage Ireland: Pepper Advantage Ireland has been instrumental in helping Irish individuals, businesses and investors navigate their financial journey since 2012. We manage over €20bn worth of assets and have a skilled team of more than 600 people across Dublin and Shannon. We’re here to service loans and mortgages which includes processing loan payments and when needed, working with customers to resolve late payments or assist with financial difficulties. As part of the international Pepper Advantage Group, we combine local knowledge with global expertise. With operations across the UK, Europe and Southeast Asia, we employ over 3,500 people and have over €50bn in assets under management. About this role: The purpose of the Agent - Operations Support is to complete all administration functions to support the business. Ensure that this is achieved in the context of controlled policies and procedures while providing exceptional customer service and minimising risk. Location: Shannon Permanent/Full time Key Responsibilities Operational Support 100% of post is completed daily Ensure post is assigned to the relevant departments All outgoing post Franked and ready by 4pm daily Operations Mailbox queries actioned daily All invoices kept up to date Client administration to be processed daily within agreed timelines (share point/system admin) Management Information from SharePoint to be provided to key stakeholders and client as appropriate Quality Control Ensure systems are accurately updated with all relevant information Cheques updated & sent to Dublin Actioned work closed down on SharePoint Customer Service Retrieval of paperwork from Wincanton as required Maintain the flow of incoming post to the business units Highlight any process that could be improved on and communicate to the business units Managers Compliance through Risk Management Conduct all tasks in a manner compliant with all policies, procedures, legislative and regulatory requirements Skills & Experience Leaving certificate or equivalent Previous experience working in an administrative role Key Performance Indicators Daily spot-checks on Ops Mailbox Feedback from business functions Weekly Audits Feedback provided during one to ones Accuracy and timeliness of Management Information Adherence to all policies, procedures, legislative and regulatory requirements IT Knowledge Risk Communication Accuracy & Quality Adaptability/Dealing with Change Flexibility Organisational Skills Pepper is an equal opportunity employer. Role Profiles are subject to change in line with business needs. For more information on this role please email recruitment@peppergroup.ie #J-18808-Ljbffr
Arrears Support Unit (ASU) Relationship Manager About Pepper Ireland: Pepper Advantage Ireland has been instrumental in helping Irish individuals, businesses and investors navigate their financial journey since 2012. We manage over €20bn worth of assets and have a skilled team of more than 600 people across Dublin and Shannon. We’re here to service loans and mortgages which includes processing loan payments and when needed, working with customers to resolve late payments or assist with financial difficulties. As part of the international Pepper Advantage Group, we combine local knowledge with global expertise. With operations across the UK, Europe and Southeast Asia, we employ over 3,500 people and have over €50bn in assets under management. About this Role: The purpose of the Arrears Support Unit Relationship Manager is to manage the relationship with a portfolio of borrower’s accounts to identify borrowers in difficulty, establish the reason for the borrower’s arrears and work with borrowers to find a solution to their arrear’s situation. The Relationship Manager Arrears Support Unit will also have business targets to achieve and will ensure that their role is achieved in the context of controlled policies and procedures while providing exceptional customer service and minimising risk. Location: Shannon Permanent/Full time Key Responsibilities Financial targets To generate revenue from a portfolio of accounts in line with monthly targets Customer service To communicate with customers in a clear and concise manner To meet with Borrowers as required Adhere to service plan including rotas and call targets Record expressions of dissatisfaction and customer complaints on the relevant customer complaints System Risk Management through Compliance To conduct all tasks in a manner compliant with all policies, procedures, and legislative requirements. Ensure all accounts are reviewed and managed in line with Company procedures. Ensure all accounts are escalated as appropriate without unnecessary delay. Education & Qualifications Leaving Certificate or equivalent (Essential) Accredited Product Adviser (Desirable) Qualified Financial Adviser (Desirable) Technical Competencies Collections IT Knowledge – General Use Legal & Compliance Interpersonal & Behavioural Competencies Communication skills – Interpersonal and Written Customer Service and Commercial Awareness Influencing/Persuasion and Negotiation skills Judgment & Decision-Making Organisational Skills Team Working Pepper is an equal opportunities employer Role Profiles are subject to change in line with business needs. For more information on this role please email recruitment@peppergroup.ie Job Types: Full-time, Permanent Additional pay: Yearly bonus Benefits: Company events Company pension Employee assistance program On-site parking Private medical insurance Wellness program Schedule: Monday to Friday No weekends Work Location: Hybrid remote in CO. Clare, CO. Clare #J-18808-Ljbffr
Arrears Support Unit Agent (ASU) - Long Term Mortgage Arrears (LTMA) About Pepper Ireland: Pepper Advantage Ireland has been instrumental in helping Irish individuals, businesses and investors navigate their financial journey since 2012. We manage over €20bn worth of assets and have a skilled team of more than 600 people across Dublin and Shannon. We’re here to service loans and mortgages which includes processing loan payments and when needed, working with customers to resolve late payments or assist with financial difficulties. As part of the international Pepper Advantage Group, we combine local knowledge with global expertise. With operations across the UK, Europe and South East Asia, we employ over 3,500 people and have over €50bn in assets under management. About this Role: The purpose of the ASU LTMA is to manage the relationship with a portfolio of customer accounts, to analyse accounts and offer appropriate sustainable measures for the borrower where suitable and in line with business objectives. Where an alternative arrangement cannot be offered, ensure the account is reviewed for the appropriate Resolution options. If no Resolution options suitable ensure the account is referred as appropriate. Ensuring that this is achieved in context of controlled policies, procedures and legislative requirements while providing exceptional customer service and minimising risk. Location: Shannon Permanent/Full time Key Responsibilities: Assess customers' circumstances through review of standard documentation. Contact borrower to review output of documentation. Ensure appropriate solutions are offered where possible in line with business strategy. Deliver clear, concise and accurate communication to customers via phone/email or face to face. Ensure all required service levels are maintained and delivered in line with policy. Conduct all tasks in a manner compliant with all policies, procedures and legislative requirements. Conduct all tasks in accordance with the values of the organisation in all dealings with both internal and external stakeholders. Ensure all accounts are reviewed and managed in line with company procedures. Ensure all accounts are escalated as appropriate without unnecessary delay. When dealing with customers, ensure to act honestly, fairly and professionally and in the best interests of the customer. Skills & Experience: Leaving Certificate or equivalent (Essential). Accredited Product Adviser (Loans) / Qualified Financial Adviser (Desirable). Experience/Knowledge of Personal Insolvency/Bankruptcy Regulations. Knowledge of relevant mortgage lending legislation and industry requirements which may impact across the industry. Clear and full understanding of the regulatory and legal environment appropriate to the role including Consumer Protection Code and the Code of Conduct on Mortgage Arrears. Strong customer service skills, evidenced application of Treating the Customer Fairly. Proven experience in debt restructuring and demonstrated understanding of financial products. Experience in a Collections environment. Competencies: Collections. Legal & Compliance. IT Knowledge. Accuracy & Quality. Influencing/Persuasion and Negotiation skills. Team Working. Communication skills – Interpersonal and Written. Judgment and decision-making. Problem Solving. Customer Service. Pepper is an equal opportunities employer. Role Profiles are subject to change in line with business needs. For more information on this role please email recruitment@peppergroup.ie. Job Types: Full-time, Permanent Additional pay: Yearly bonus. Benefits: Company events. Company pension. Employee assistance program. On-site parking. Private medical insurance. Wellness program. Schedule: Monday to Friday. No weekends. Work Location: Hybrid remote in CO. Clare. #J-18808-Ljbffr
Mortgage Resolutions Administrator Agency support not required for this role About Pepper Advantage Ireland: Pepper Advantage Ireland has been instrumental in helping Irish individuals, businesses and investors navigate their financial journey since 2012. We manage over €20bn worth of assets and have a skilled team of more than 600 people across Dublin and Shannon. We’re here to service loans and mortgages which includes processing loan payments and when needed, working with customers to resolve late payments or assist with financial difficulties. As part of the international Pepper Advantage Group, we combine local knowledge with global expertise. With operations across the UK, Europe and Southeast Asia, we employ over 3,500 people and have over €50bn in assets under management. About this role: The purpose of the Mortgage Resolutions Administrator is to manage the letters and ARA completions processes to ensure the relevant letter or ARA is applied on customer accounts in line with ARA decisions made at relevant Credit Committee. Ensuring that this is achieved in context of controlled policies, procedures and legislative requirements while providing exceptional customer service and minimising risk. Location: Shannon Permanent/Full time Key Responsibilities Provide a high-quality administration function. Draft & issue ARA related letters to borrowers within required SLA. Manage the closing stages of applying ARA completions to a customer account. Contact borrowers to review outstanding payments/shortfalls if required. Assist in resolving any issues that may arise during the completions process. Ensure all required service levels are maintained and delivered in line with policy. Conduct all tasks in a manner compliant with all policies, procedures, reference guides and legislative requirements. Conduct all tasks in accordance with the values of the organisation in all dealings with both internal and external stakeholders. Ensure all accounts are reviewed and managed in line with company procedures. Ensure all accounts are escalated as appropriate without unnecessary delay. When dealing with customers, ensure to act honestly, fairly, and professionally and in the best interests of the customer. Skills & Experience: Leaving Certificate or equivalent (Essential) Accredited Product Adviser (Loans) / Qualified Financial Adviser (Desirable) Experience/Knowledge of Personal Insolvency/Bankruptcy Regulations Knowledge of relevant mortgage lending legislation and industry requirements which may impact across the industry. Clear and full understanding of the regulatory and legal environment appropriate to the role including Consumer Protection Code and the Code of Conduct on Mortgage Arrears. Strong customer service skills, evidenced application of Treating the Customer Fairly Proven experience in debt restructuring and demonstrated understanding of financial products. Experience in a Collections environment. Excellent time management & organisational skills. Experience in MS products (Microsoft Word & Excel is desirable) Competencies: Collections Legal & Compliance IT Knowledge Accuracy & Quality Influencing/Persuasion and Negotiation skills Team Working Communication skills – Interpersonal and Written Judgment and decision-making Problem Solving Customer Service Strong administrative & letter writing skills. Pepper is an equal opportunities employer Role Profiles are subject to change in line with business needs. For more information on this role please email recruitment@peppergroup.ie Job Types: Full-time, Permanent Additional pay: Yearly bonus Benefits: Company events Company pension Employee assistance program On-site parking Private medical insurance Wellness program Schedule: Monday to Friday No weekends Work Location: Hybrid remote in CO. Clare, CO. Clare #J-18808-Ljbffr
