Wexford Credit Union has an exciting opportunity for an ambitious and driven individual to play a key role in its management team. The Head of Lending will report to the CEO and will be responsible for the progressive implementation of Wexford Credit Unions Credit Policy and Procedures to maximize responsible lending. The successful applicant will lead the development and implementation of a growth strategy and the delivery of income targets, in line with the strategic plan, monitoring KPIs and ensuring alignment to the strategic and operational business goals. This role is a Central Bank Controlled Function and is subject to strict Fitness & Probity obligations. Key Responsibilities Lending & Business Development The Head of Lending will have overall responsibility for the management and efficient operation of the lending function across Wexford Credit Union, ensuring all compliance requirements under legislation and Central Bank guidelines are met. Drive an excellent underwriting process throughout the team. Lead and manage all members of the lending team through an effective performance management and development process. Continuously act as a role model leader demonstrating the highest of standards of compliance, professionalism, behaviour, ethical management, integrity and honesty. Review and analyse membership and common bond profiles to identify information gaps and potential lending opportunities together with the Business Development Officer. Analyse the performance of all products to ensure they are meeting their targeted revenue and margin goals and adjust or terminate underperforming products in a timely manner. Ensure overall stability of loan portfolio, with the ability to identify and develop long term strategies that will include initiatives such as portfolio mix, growth, and market penetration objectives. Support the Business Development and Marketing team to create an effective marketing and sales plan that aligns products with the demographics and needs of those within the common bond. Responsible for the design and development of new and innovative lending products and platforms in line with the strategic plan Manage lending risks and exposures Review and recommend changes to credit policies and procedures Provide timely and accurate lending reports to the CEO as required. Management As a key member of the Management Team, you will have a strong input and contribution to, and champion the strategic planwith specific responsibility for the strategic plan of the Lending department. Manage the key objectives and performance of each team member through agreed KPIs, half yearly performance reviews and provide support and training to staff to ensure the successful implementation of targets, goals and objectives from the strategic plan. Provide analytical support and aid decision-making, conducting ad hoc analysis of business challenges, opportunities and implications of changes. Build a roadmap of strategic and tactical opportunities to develop the product set of Wexford Credit Union Ensure that all policies and procedures are of the highest standard and are user friendly for all loan types and scenarios Analyse the performance of all products to ensure they are meeting their targeted revenue and margin goals and adjust or terminate underperforming products in a timely manner Demonstrate a passion for customer service and continuous improvement. Develop and implement process efficiencies and ongoing evaluation of all credit processes and systems In conjunction with the Risk department and Compliance department, ensure that the compliance and regulatory requirements are being adhered to fully. The above list is not exhaustive and may be subject to change in line with the needs of the business. The successful candidate should have the following: Minimum 5+ years experience in a results-driven lending development role within financial services Minimum of a QFA or equivalent qualification (or APA Loans designation), a business or finance related degree (desirable) Proven track record in lending, including personal, mortgage and business lending Excellent leadership, interpersonal and communication skills Strong credit analysis and underwriting experience Demonstrable experience in both mortgage and business lending. Proven track record of achieving business growth and managing a team. Ability to assess, critically evaluate and interpret complex information and to identify key credit risk drivers Proactive and self-motivated with the ability to adapt to new situations A strong knowledge of financial compliance regulations An appreciation and an awareness of the credit union ethos Skills: Demonstrated Leadership Skills Strong Lending Experience Strategic Thinker Benefits: Pension