David Cullen

Experience

• 

  Vodafone

  Jun 2007 - Dec 2007

  Customer Service Representative

  • Responsible for dealing with customer queries, problem solving, delivering information on Vodafone products and generating sales from inbound calls and managing customer complaints.

• 

  Ulster Bank

  Jan 2008 - Dec 2013

  • Playing a key role in developing new customer relationships and strengthening existing customer relationships in Blackrock Branch. Specialised in generating opportunities across four key performance indicators: Deposits, Lending, Insurance and investments, and new accounts.• Personally responsible for driving revenue growth across these areas by collaborating with external lead introducers, meeting walk-in business, cold-calling existing customer base, prospecting potential customers in the locality through exhibitions, work presentations and canvassing. • Highly skilled in outbound calling to facilitate the identification and qualification of sales leads across all areas.• Developing positive relationships with potential clients, establishing their financial needs through a review process and developing solutions based around their needs. • Experienced in writing credit reports for submission to underwriting.• An in-depth knowledge of the mortgage process, specialising in bringing customers through the mortgage process from initial application phase straight through to drawdown and after sale service.• A creative lender with a great ability to problem solve difficult credit applications and aligning them with institutional lending policy.• Experienced in dealing with HNW clients across the four KPIs. • Good knowledge of MARP and CCMA processes. Practiced in mortgage forbearance cases and meeting customers in financial difficulty.• Experienced in complaint handling.• Responsible for training and developing branch staff in spotting opportunities and using sales dialogue to book appointments. Show less

  • Customer Adviser

    May 2009 - Dec 2013

  • Customer Service Officer

    Jan 2008 - May 2009
• 

  Certus

  Dec 2013 - Jun 2014

  Member of IBRC (in special liquidation) Technical Arrears Support UnitSpecialising in:- Assessing standard financial statements- Implementing MARP and CCMA- Recommending long term and short term solutions for distressed borrowers Member of IBRC (in special liquidation) Buy to Let TeamSpecialising in:- Meeting customers in financial difficulty- Assessing borrowers proposals for sustainable solutions- Preparing credit reports for assessment by credit committee - Presenting and recommending cases to credit committee- High exposure cases- Appointing receivers over investment properties

  • Debt Restructuring

    Apr 2014 - Jun 2014

  • Mortgage Collections Agent

    Dec 2013 - Apr 2014
• 

  Bank of Ireland

  Jun 2014 - now

  Providing financial advice in the area of savings and investments, retirement planning and protection on a face to face basis. Offering financial advice covering pensions, investments, family protection and mortgage protection over the phone Bringing workplace banking to companies with 150+ staff in the Dublin South Region. - Portfolio management of 800+ HNW customers- Promoting Bank of Ireland's Premier Banking package- Specialising in full suite of Premier options such as mortgages, deposits, wealth, personal lending and protection

  • Insurance & Investment Manager

    May 2018 - now

  • Wealth Manager

    Apr 2018 - now

  • Direct Premier Financial Consultant

    Oct 2017 - Apr 2018

  • Dedicated Advisor

    Jan 2017 - Sept 2017

  • Premier Banking Relationship Advisor

    Jun 2014 - Jan 2017