This micro-credential is provided by the IOB, an accredited College of UCD. This programme is designed to meet the needs of those who are required to meet the Central Bank of Ireland's Minimum Competency Code in relation to Debt Management Services. The Professional Certificate in Personal Debt Management and Personal Insolvency is a specialist education programme that offers a unique, independent, university level qualification. It is relevant to: Front office retail banking staff who are involved with mortgage pre-arrears, arrears and collection, Back office staff including underwriters, mortgage restructure solutions specialists and other mortgage support staff involved with mortgage pre-arrears, arrears and collection, Staff working in firms which provide specialist mortgage arrears and collections support to mortgage lenders (Outsourcing/Insourcing), Accountants, lawyers, Personal Insolvency Practitioners and other professionals who are involved with mortgage pre-arrears, arrears and collections.

You must join the IOB as a member before applying for an IOB course. Begin a three-month free trial with the IOB.

• Individuals seeking admission to the Professional Certificate in Personal Debt Management and Personal Insolvency will have 3 years’ experience (full-time) in a relevant banking role and completed the Professional Diploma in Financial Advice or equivalent 30 ECTS Level 7 programme.
• Individuals who possess an honours degree (Min. Hons 2.2, Level 8 NFQ).
• Admission will also be considered from experienced professionals who do not meet the minimum admission requirements as set out above, who can demonstrate learning based on work and training experience e.g. Individuals employed in a Financial Advice role in Financial Services.
• Professional Body Membership - You must be a current member of IOB, or become a member, to undertake this programme.