Personal Insolvency, Bankruptcy & Loss Recovery Underwriter

• Job Title: Personal Insolvency, Bankruptcy & Loss Recovery Underwriter Vacancy ID :
• Vacancy Type : Permanent
• Post Date : 20-Apr-2026 Close Date : 16-Jul-2026

PTSB is one of Ireland's leading retail and SME banks, with an innovative range of products and services powered through an evolving digital landscape, our focus is centred on ensuring we deliver what our customers, colleagues and communities need to be successful.

Your Role

Reporting to the Assistant Manager in the Insolvency/Recovery Team, you will be responsible for assessing and underwriting Standard Financial Statements (SFSs) & Prescribed Financial Statements (PFSs) in line with Credit Policy.

This involves interacting and engaging with a number of different parties including Insolvency Service of Ireland, UK Insolvency Service, and the Official Assignee in Bankruptcy, Personal Insolvency Practitioners and solicitors.

Your Responsibilities

• Deal efficiently and expertly with incoming calls and written correspondence from customers and their Solicitors, and from Insolvency Services and Personal Insolvency Practitioners/ Accountants/ Debt Management firms.
• Underwrite & assess Insolvency and Recovery cases and provide guidance on potential repayment options available to borrowers, also review where a customer proposal has been presented to the bank, in relation to Insolvency or Unsecured Recoveries and present to management for review in line with the banks Discretion Matrix.
• Respond to queries from our solicitors, draft and review legal documentation for unsecured accounts and personal insolvency arrangements.
• Maintain thorough understanding of the unsecured recovery policies, procedures and strategies, ensure adherence to the CCMA / CPC / SME regulatory guidelines.
• Maintain and monitor on-going contact on cases and adhere to agreed SLA’s.
• Maintain a thorough understanding of the criteria required within the unsecured portfolios including Standard Financial Statements, Statement of Means, waterfalls, and SLA’s, ensuring strict compliance with the Bank’s recovery policies.
• Meet individual performance targets and Key Performance Indicators
• Adhere fully to the Bank processes and procedures
• Comply fully with the industry regulatory procedures directly relating to the Bank
• Conduct general administration, PC work and filing.
• Proactive daily administration of arrears cases.
• Assess and underwrite Standard Financial Statements (SFS’s) & Prescribed Financial Statements (PFS’s) in line with Credit Policy, while also being cognisant of Circuit & High Court Rulings.
• Prepare & swear affidavits.
• Actively participating in weekly/monthly team meetings
• Work in a professional and timely manner in a fast paced and challenging Unit

Requirements

• Must have Loans and Regulations Exams (APA).

Recognised qualification /accreditation i. e.

APA/QFA in order to be in a position to discuss with customers product information and give advice in relation to forbearance options when required (if giving financial advice to customers)

• Excellent communication skills with proven experience of dealing with customers either face to face or over the telephone.
• Ability to engage with people by phone and negotiate realistic and timely agreements/settlements.

Knowledge of the Insolvency Act and the new arrangements available would be an advantage.

This is a permanent position based in PTSB's St. Stephens Green Dublin (Hybrid option available within the Republic Of Ireland Only)

Is this you?

We reserve the right to draw up a shortlist for interview. The Bank understands the importance of a consistent and relentless focus on championing diversity and inclusion.

We aim to attract, recruit, and retain individuals with diverse backgrounds, skills, competencies and abilities to work collaboratively to enhance the service we provide to all of our customers and the communities we serve.

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