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Joanna Smith is an experienced financial professional with a strong background in credit and debt underwriting. Currently serving as a Complex Debt Underwriter at permanent tsb since November 2020, Joanna has previously held roles such as Senior Credit Analyst at Accenture and Problem Debt Retail Credit Underwriter at Ulster Bank. The career began in consumer credit at Bank of Ireland and includes a noteworthy tenure as an Arrears Specialist Executive at KBC Bank Ireland. Joanna's educational credentials include multiple qualifications from the Institute of Banking (IOB), culminating in a Professional Diploma in Banking obtained in March 2023, alongside earlier qualifications as a Qualified Financial Advisor and Professional Banker.