Patrick Fitzgerald (QFA)

Experience

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  Bank of Scotland

  Sept 2005 - Dec 2010

  Identify and manage risk, arrears management, restructuring debt, reporting to relevant committees and completing asset repossessions or receiverships where necessary. All of the above tasks are completed with the primary objective of minimising potential losses and maximising recovery. I had primary responsiblity for delivering arrears targets for the Limerick Office (up to 20 relationship managers) along with managing the completion of the impairment process. Portfolio Manager with reponsibility to manage existing portfolio and meet portfolio and customer growth requirements. The portfolio and role had sales, profit, fees and cross sales targets whcih were all met. This role required an ability to cultivate a personal and professional network alonside delivering excellent customer service to all existing, potential and new customers.

  • Assistant Manager

    Sept 2009 - Dec 2010

  • Executive

    Sept 2005 - Sept 2009
• 

  Certus

  Jan 2011 - Jun 2015

  Manager - Business Support Unit

  Portfolio Management: • Managed a large portfolio of complex connections which could comprise of up to 76 Borrowers and €70m in balances on own portfolio and over 300 Borrowers and €215m in balances on the team.• Managed complex borrowing structures, borrowing entities and various industries and sectors inclusive of: Property Development, Property Investment, Corporate Real Estate (up to a €28m connection), Tax Investor Partnerships, Tax Designated Properties, Working Capital, Trade Finance etc. • From a long career in the Financial Industry experience I have developed a wide range of knowledge in law, property, finance, accountancy and most importantly “relationship management”. Business Development: • Successfully grew a loan portfolio in terms of sales, profit, fees and cross sales targets. Was successful in exceeding both my personal and our team goals. • Developed business networks by introducing new customers, growing existing relationships and finding new introducers of business. This was always achieved by providing quality service as required by our customers. • Exceeded cross sale targets to sell a variety of Banking products. This required a detailed product knowledge of trade finance, wealth products, bank accounts, foreign exchange, fixed rates, treasury and asset finance. Managing People and Meeting Targets: • Managed a team of up to four other relationship managers ensuring they met their various reporting obligations, exceeded agreed targets, and complied with all policies and procedures set by the business. • Delivered over 3 years of clear arrears metrics for the Limerick office and was considered a subject matter expert across the business. • Devised a system to track and achieve arrears targets. Designed and delivered training to relationship managers on best practice and how a complex system of arrears measurements works. Show less

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  First Choice Financial Services DAC

  Jun 2015 - Mar 2018

  Banking and Debt Consultant

  Secure finance for wide range of Business and Property Projects for clients from banks and non bank providers. Represent client interests to settle commercial and consumer debts. External assessor for Microfinance Ireland & External Reviewer for Credit Review Office.

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  GRID

  Apr 2018 - now

  Director of Credit and Collections