Credit Restructuring & Debt Resolution Specialist
Location: Galway (Hybrid - 3 days on-site / 2 days remote)
Salary: Competitive and commensurate with experience + Benefits
About the Client
Our client is a leading, well-established credit management and financial services organization operating across Ireland. Part of a broader international group with an extensive European footprint, our client specializes in managing performing, rescheduled, and non-performing loan portfolios, delivering sustainable credit outcomes across multiple asset classes.
Role Overview
Our client is looking to recruit an experienced Credit Restructuring & Debt Resolution Specialist to join their secured portfolios operations team. Reporting to senior operational leadership, the successful candidate will engage directly with customers across the Personal, SME, Corporate, and Property sectors who are experiencing financial distress.
In this role, you will take ownership of the full resolution lifecycle-conducting thorough financial assessments, negotiating sustainable repayment and settlement solutions, and managing accounts through proactive monitoring or formal exit routes, including litigation when required.
Key Responsibilities
- Borrower Engagement & Negotiations: Lead discussions with customers to establish tailored, sustainable debt restructuring agreements and debt settlement outcomes that uphold fair treatment standards.
- Financial Analysis & Credit Proposals: Evaluate detailed financial circumstances, prepare structured credit submissions, and execute approved credit resolutions.
- Portfolio & Account Oversight: Proactively monitor and drive resolution milestones across an assigned portfolio, implementing agreed loan-level exit strategies.
- Operational & Data Integrity: Maintain accurate status tracking within the CRM system, manage inbound correspondence, and deliver timely, accurate progress reports to leadership.
- Stakeholder Collaboration: Participate in structured portfolio reviews, operational alignment meetings, and support the broader relationship management team.
Candidate Profile
- Accreditation: APA qualification in Housing Loans (essential).
- Experience: Minimum of 5 years of proven experience in credit restructuring, debt workout, or specialized collections. Experience managing Primary Dwelling Homes (PDH) is a distinct advantage.
- Education: Bachelor's degree or relevant professional equivalent.
- Regulatory Knowledge: Strong working knowledge of Irish statutory and consumer protection frameworks, including the CCMA, CPC, and MCC.
- Core Competencies: Confident negotiation skills, high attention to detail, relationship-management capabilities, and proficient data skills (including Microsoft Excel tools such as PivotTables, VLOOKUP, and dashboards).
- Mobility: Full clean driving license with access to a vehicle for business purposes.
What Our Client Offers
- Remuneration: Competitive salary with eligibility for an annual discretionary, performance-linked bonus.
- Flexibility: Established hybrid working model.
- Security & Wellbeing: Company-matched pension scheme and life assurance cover.
- Annual Leave: Generous annual leave entitlement starting at 23 days (increasing to 25 days).
- Workplace Culture: A collegiate, engaging environment with ongoing development and regular team social events.
