Associate Director, Customer Solutions UK

Location/Office Policy: London / 3 days per week

• Are you comfortable helping customers who are in financial difficulty and / or distress face to face?
• Are you comfortable working independently and as a team to solve complex financial / economic problems in time constrained situations?
• Do you want to represent AIB at relevant industry events, with the financial and legal advisory network, with sydnciate banking groups and Customers.

What is the Role:

• Support and restructure (where appropriate) customers in financial difficulty. Undertake fundamental credit analysis of each case, utilising customer, industry and financial restructuring knowledge to devise bespoke restructuring solutions for the benefit of AIB reflective of the credit risk and lead / negotiate AIB’s preferred position with the Customer, Financial Advisors and Other Lenders as appropriate.
• Ensure AIB takes a strong role / participation in transactions, restructures and legal / term sheet negotiations, instigating where necessary the relevant actions to protect AIB. AIB should be a leading voice in customer meetings, all lender meetings and relevant discussions / meetings with both Legal and Financial Advisors.
• Maintain strong knowledge of the macro environment, industry and legal / regulatory rules / trends / concepts, and how these impact the current and future performance of the portfolio and customer strategies.

Key accountabilities;

• Play a leading role in bringing these cases through the AIB credit approval process, inspiring confidence with internal stakeholders through leading the presentation of cases at credit committees, risk committees and business credit review forum. Build and maintain a strong working relationship with Risk and Risk approvers.
• Take responsibility for the on-going Credit Risk Management of a portfolio of cases within FSG UK, ensuring any negative trends are promptly identified, escalated and investigated, and manage cases within agreed customer / resolution strategy.

• Represent FSG UK at relevant industry events and develop, maintain and enhance relationships with key external stakeholders taking opportunities to undertake meetings with market participants to gain insight in to key customer, sector, industry risks.
• Demonstrate full understanding of procedures / policies / regulatory requirements. Reinforce their application without exception

What you Will Bring ;

• Minimum 5 years relevant experience of credit and portfolio management in a lending environment, including 2 years' experience of working with stressed / distressed customers. (Required)
• Experience in preparing financial analysis, report writing and strong working knowledge of excel. (Required)
• Experience in both bilateral and syndicated facility documentation and security arrangements. (Required)
• Good understanding of macroeconomic environment and industry trends within international markets. (Preferred)
• Strong interpersonal, communication & negotiation skills and an ability to manage relationships across internal / external stakeholders. (Required)
• Experience of presentation at credit committees and demonstrate an ability to influence / lead the committee in support your proposals. (Preferred)
• Have a degree level qualification. (Preferred)

Why Work for AIB:

We are committed to offering our colleagues choice and flexibility in how we work and live and our hybrid working model enables our people to balance their time between working from home and their designated office, subject to their role, the needs of our customers and business requirements.

Some of our benefits include;

• Market leading Pension Scheme
• Healthcare Scheme
• Variable Pay
• Employee Assistance Programme
• Family leave options
• Two volunteer days per year

Please click here for further information about AIB’s PACT – Our Commitment to You.

Key Capabilities

• Collaborates
• Instrils Trust
• Customer First
• Legal, Regulatory & Compliance
• Risk Mitigation
• Credit Risk Analysis
• Financial & Economic Analysis and Modelling

If you are not sure about your suitability based on any aspects of the role advertised, we encourage you to please contact the Recruiter for this role, Emma, at careers@aib.ie for a conversation.

AIB is an equal opportunities employer, and we pride ourselves on being the first bank in Ireland to receive the Investors in Diversity Gold Standard accreditation from the Irish Centre for Diversity. We are committed to providing reasonable accommodations for applicants and employees. Should you have a reasonable accommodation request please email the Talent Acquisition team at careers@aib.ie

Disclaimer:

Unsolicited CV’s sent to AIB by Recruitment Agencies will not be accepted for this position. AIB operates a direct sourcing model and where agency assistance is required, the Talent Acquisition team will engage directly with our recruitment partners.

Application deadline : 23rd November