Lending Officer
Reporting to : Lending Operations Manager
Term : Fulltime Permanent
Location : Person can be based at any of our sites: Edenderry, Coill Dubh, Clane & Leixlip.
Pattern: Monday to Friday, with occasional Saturdays.
Role Overview:
As a member of the Lending Team, the Lending Officer position will form part of a highly motivated, multi-skilled team responsible for providing a first-class service to members on all types of loan requests received in any office, in person, by phone, or online, while also assisting with managing the day-to-day workload of the team.
Qualifications:
· A relevant professional/financial services qualification, satisfying Minimum Competency Requirements, i.e., QFA
· A minimum of three years of Loan assessing/underwriting experience in a Credit Union, Bank and /or other Financial Institution.
Key Duties and Responsibilities:
· Undertake a detailed analysis and assessment on all types of Personal loan applications, make informed decisions, recommending approvals and/or declining applications as appropriate.
· Responsible for meeting specific income targets allocated to the Lending Team in support of the Business Strategy of the Credit Union
· Conduct loan interviews and obtain the necessary financial information to support the loan application.
· Operate within the agreed authorised lending discretion framework to ensure compliance with all relevant Policies, Procedures, and regulatory requirements.
· Work closely with other Lending Officers to meet tight deadlines, ensuring timely turnaround of assessments, including demonstrating strong productivity in line with Service Level Agreements.
· Contribute, participate, and engage with the Credit Union's strategy and change programme.
· Promotion of other Credit Union products and services with a focus on digital offerings.
· Undertake other reasonable and lawful duties as may be directed from time to time by Management.
The successful candidate should have:
· A relevant professional/financial services qualification, satisfying Minimum Competency Requirements, i.e., QFA.
· A minimum of three years underwriting experience in a Credit Union, Bank and /or other Financial Institution. (Mortgage, Self-employed, Business & Agri experience will be an advantage)
· Excellent interpersonal, teamwork and people skills.
· Strong oral and written communication skills.
· IT literacy and high proficiency in MS Office Suite.
· Ability to work on own initiative to deliver agreed targets.
Full Clean Drivers Licence with ability to travel between sites if required
Job Type: Full-time
Benefits:
* Additional leave
* Bike to work scheme
* Company events
* Company pension
* Employee assistance program
* Wellness program
Application question(s):
* What are your salary expectations?
* Do you hold a QFA ( Qualified Financial Advisor) Qualification?
* Please confirm the basis of your eligibility to work in Ireland
Experience:
* Underwriting: 3 years (required)
Work Location: In person