Job Description

Job Overview

We are seeking a dedicated and skilled Debt Negotiator to join our team. In this role, you will be responsible for assisting clients in negotiating their debts and finding suitable solutions to manage their financial obligations. Your expertise in communication and negotiation will play a crucial role in helping clients achieve financial stability while maintaining positive relationships with creditors.

Responsibilities

Engage with clients to understand their financial situations and provide tailored debt negotiation strategies. Communicate effectively with creditors to negotiate payment terms and settlements on behalf of clients. Maintain accurate records of negotiations, agreements, and client communications. Provide ongoing support and guidance to clients throughout the negotiation process. Collaborate with team members to develop best practices and improve negotiation techniques. Stay informed about industry trends, regulations, and best practices related to debt management.

Qualifications

Proven administrative experience in a professional setting. Excellent communication skills, both verbal and written, with the ability to convey complex information clearly. Multilingual abilities are highly desirable, enabling effective communication with a diverse client base. Strong organisational skills with the ability to manage multiple cases simultaneously while meeting deadlines. A proactive approach to problem-solving and a commitment to achieving positive outcomes for clients. If you are passionate about helping individuals regain control of their finances and possess the necessary skills, we encourage you to apply for this rewarding position as a Debt Negotiator.
The job profile of a

Debt Advisor and Negotiator

for a company in large debt, often referred to as a

Restructuring Professional

or

Corporate Debt Advisor

, is highly specialized. This role is focused on helping the company navigate financial distress, restructure its obligations, and achieve long-term financial stability.

Job Profile: Corporate Debt Advisor and Negotiator

The Corporate Debt Advisor acts as a critical intermediary and strategist, brought in when a company's debt burden becomes unsustainable and threatens its operations or solvency. This role involves intense financial analysis, strategic planning, and, most importantly, complex negotiation with creditors and stakeholders.

AttributeDescription

Primary Goal

To return the company to a stable, sustainable financial position by restructuring its debt, optimizing its capital structure, and preventing insolvency.

Typical Employers

Boutique financial advisory firms, large accounting firms (in their corporate finance or restructuring divisions), investment banks, or as an internal senior finance/strategy officer.

Required Skills

Expert financial modeling, deep understanding of corporate finance, strong legal and regulatory knowledge (e.g., insolvency laws), exceptional negotiation and communication, and stakeholder management.

Key Stakeholders

Company management, board of directors, banks, institutional lenders, bondholders, trade creditors, private equity sponsors, legal counsel, and regulatory bodies.Export to Sheets

Core Responsibilities and Duties

The responsibilities of the Debt Advisor and Negotiator fall into three main phases: Assessment, Strategy Development, and Implementation/Negotiation.

1. Financial Assessment and Analysis

Financial Due Diligence:

Conduct a comprehensive review of the company's financial health, including historical performance, current liquidity, assets, liabilities, and debt agreements (covenants, maturity schedules).

Viability Assessment:

Analyze the company's core business model and operations to determine its long-term viability and to identify key drivers of financial distress.

Cash Flow and Forecasting:

Create and rigorously challenge detailed

cash flow forecasts

and financial models under various restructuring scenarios to determine the company's capacity to service future debt.

Valuation:

Perform valuation analysis to assess the expected recovery for different classes of creditors under various scenarios, including potential liquidation.
2. Strategy Development and Planning

Restructuring Option Analysis:

Develop and evaluate a range of potential debt restructuring solutions. This could include:

Informal Negotiations:

Seeking temporary payment holidays, interest rate reductions, or term extensions.

Refinancing:

Securing new capital to pay off existing, unmanageable debt.

Formal Procedures:

Advising on formal insolvency proceedings like a Company Voluntary Arrangement (CVA) or Administration (in the UK) or Chapter 11 (in the US).

Debt-for-Equity Swaps:

Converting a portion of debt into ownership (equity) in the company.

Stakeholder Communication Plan:

Prepare clear, transparent communication and presentation materials to inform and gain the support of creditors, shareholders, and employees.

Balance Sheet Optimization:

Recommend non-debt-related actions to improve financial standing, such as

cost-cutting measures

, working capital improvements, and the sale of non-core assets (

asset disposals

).
3. Negotiation and Implementation

Lead Negotiation:

Act as the primary negotiator between the company and its creditors (banks, bondholders, suppliers) to agree on the terms of a restructuring plan. The goal is to secure the most

favorable terms

possible to ensure the company's survival and future growth.

Drafting and Legal Review:

Work closely with legal counsel to draft and finalize the formal legal documents (e.g., new loan agreements, restructuring support agreements) that implement the agreed-upon changes.

Covenant Management:

Negotiate new financial

covenants

(conditions lenders place on borrowers) to provide the company with necessary operational flexibility while maintaining creditor confidence.

Process Management:

Oversee the entire restructuring timeline, ensuring all steps--from initial assessment to final agreement--are executed efficiently, often under significant time pressure.

Post-Restructuring Monitoring:

Monitor the implementation of the new plan and ensure the company adheres to the agreed-upon terms, stepping in to advise on amendments if performance deviates from forecasts.
Job Types: Temporary, Temp to perm, Apprenticeship, Freelance
Contract length: 6 months

Pay: 24,420.00-24,425.00 per year

Benefits:

Flexitime Work from home
Application question(s):

Are you good with negotiations?
Work Location: In person