Summary
Overview
Work History
Education
Skills
Work Availability
Timeline
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Aedemar Mckiernan

Dublin

Summary

Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering eleven years of financial industry expertise.

Overview

11
11
years of professional experience

Work History

Sales & Credit Manager

Finance Direct Ltd & Lending Crowd Ltd
03.2021 - 12.2023
  • Improved credit risk management by implementing effective underwriting policies and procedures.
  • Maximized cash flow by monitoring outstanding debts and optimizing collection efforts.
  • Developed strong relationships with clients through professional communication and timely resolution of credit issues.
  • Enhanced department efficiency by streamlining processes, reducing errors, and automating routine tasks.
  • Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
  • Negotiated payment plans with delinquent customers to minimise losses while maintaining positive client relationships.
  • Participated in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.
  • Maintained accurate records of all customer interactions, ensuring transparency in reporting and easy access for future reference or legal purposes if necessary.
  • Managed credit approval process- application review to approval.
  • Ensured timely resolution of disputed accounts, working closely with internal and external stakeholders to maintain positive customer relationships.

Sales & Compliance Manager

Finance Direct Ltd & Lending Crowd Ltd
04.2018 - 03.2021
  • Reduced risk exposure by identifying and addressing areas of noncompliance.
  • Developed comprehensive training programs for employees, fostering a culture of compliance throughout the organization.
  • Improved communication channels between departments by establishing regular meetings and reporting structures related to compliance matters.
  • Strengthened company-wide awareness of relevant laws, regulations, and industry standards through targeted trainings, and ongoing communication efforts.
  • Ensured monthly Sales targets were reached.
  • Mitigated risk for investors by approving loans at ideal rate for risk.
  • Approved/declined loans through both Finance Direct & Lending Crowd packaged by Sales team.
  • Managed all complaints through our internal process, followed by communication through our disputes tribunal with great outcomes reached yearly.

Relationship and Administration Manager

Finance Direct Ltd & Lending Crowd Ltd
03.2014 - 04.2018
  • Nurtured client relationships - borrowers, Investors, suppliers, for our start up Peer to Peer fintech lender ( Lending Crowd Ltd)
  • Implemented effective communication strategies to maintain ongoing dialogue with borrowers, investors and suppliers fostering long-term partnerships.
  • Managed quality assurance / testing of website before going live, along with set up of all operations.
  • Established strong relationships with key stakeholders for effective collaboration and streamlined decision-making processes- IT Manager and Managing Director.
  • Streamlined administrative processes.
  • Complied with established internal controls and policies.
  • Managed all Operations of Lending Crowd peer to peer website, with providing iteration ideas along with feedback to IT team.

Finance Administrator

Finance Direct Ltd
11.2012 - 03.2014
  • Meticulously drafted contracts, ensuring clarity and accuracy in all terms and conditions related to secured lending.
  • Organised meeting with clients for full disclosure of Loan Agreements in our offices in Newmarket-small loans, SME loans, bridging loans and interest only with second mortgages
  • Accurately loaded all payments daily to borrowers and suppliers monthly.
  • Responsible for manually registering securities against motors vehicles.
  • Liaising with legal team for registration of Mortgages/Caveats against properties, providing all correctly signed contracts and authority and instruction forms.
  • Ensured our loan book was kept to manageable for all under 30 days arrears, whilst maintaining strong relationships with all borrowers.
  • Assisted brokers with loan payouts -requesting additional withheld information, alerting to contract errors.
  • Packaged deals for approval to our managing director and other lenders.

Education

2.1 Bachelor Of Business - Finance

Dublin City University
10.2010

Skills

  • Fraud knowledge
  • Credit Reports
  • Authorizations understanding
  • Investigations
  • Risk Mitigation
  • Risk Assessments
  • Mentoring and training
  • Debt Restructuring
  • Employee Training Oversight
  • Relationship Building
  • Staff Recruitment and Hiring
  • Credit Approval and Denial
  • Loan Processing

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

Sales & Credit Manager

Finance Direct Ltd & Lending Crowd Ltd
03.2021 - 12.2023

Sales & Compliance Manager

Finance Direct Ltd & Lending Crowd Ltd
04.2018 - 03.2021

Relationship and Administration Manager

Finance Direct Ltd & Lending Crowd Ltd
03.2014 - 04.2018

Finance Administrator

Finance Direct Ltd
11.2012 - 03.2014

2.1 Bachelor Of Business - Finance

Dublin City University

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Aedemar Mckiernan