North West Credit Union (formerly known as Sligo Credit Union) has undergone significant expansion in recent times; to support this ongoing growth we have an exciting opportunity within North West Credit Union for a highly motivated individual with a proven track record in Lending and Customer Excellence to join our Lending team.
The Lending Officer will report directly to the Lending Manager and will be primarily responsiblefor assessing and decisioning loan applications from membersin line with lending policies, ensuring all legislative and regulatory requirements are adhered to.
The Lending Officer will also assist with the growth of the loan book in line with the Strategic Plan and operational business goals.
The successful candidate will ensure a high level of loan processing is achieved and exceeded and high levels of customer satisfaction are maintainedwhile delivering a best-in-class standard of customer service to our members.
The Lending Officer will be responsible for promoting services and products that benefit Members.
The role requires the Lending Officer to have an approachable and professional manner and work effectively to ensure Member satisfaction and ultimately Member retention and repeat business.
What the role will involve: Participate in the effective and efficient running of the Lending function to ensure a greatly enhanced experience for members.
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Comply with all lending, legislative and regulatory policies.
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Assess loan applications to determine the ability to repay in accordance with Lending Policy and approve applications that fall within the relevant loan approval category.
Be confident in providing an efficient service to members including liaising with members loan applications and Credit Union queries in person, by telephone or online.
Completion of various administrative tasks that constitute a loan application, in a timely manner, ensuring all necessary conditions are complied with prior to loan issue.
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Assist with the assessment of loan applications as an individual and as part of the wider Credit/Lending team to ensure that the loan approval process is robust.
?? Promote loans in conjunction with the Marketing & Development team.
?? Monitor take-up and report on a weekly basis to the Lending Manager.
?? Contribute to the successful management and follow-up on loan application pipeline.
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Liaise with other staff to recognise lending opportunities and direct these opportunities to the Credit Union.
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Support the development of the Lending function and any other ad hoc duties as directed by the Lending Manager.
?Delivering an excellent member experience by providing an efficient in person service to members while adhering to service level standards and compliance.
Provide exemplary customer service to all Credit Unions members and potential new members.
Effectively and efficiently deal with members lending applications and queries.
In conjunction with the Lending Manager ensure that the North West Credit Union is compliant with legal and regulatory requirements.
Keep up to date on promotional initiatives and new products and services being implemented within the Credit Union.
Proactively participate and aid in the coordination of continuous training and development in order to provide the highest levels of service in quality and focus to membersat all times.
Promote a culture that reflects the North West Credit Unions values and encourages exceptional performance and excellent member services.
Participate in all process improvement service enhancements.
Responsible for providing ongoing education and information to members regarding Credit Unions real time policies and procedures.
Identify opportunities to improve our members financial well-being by cross-selling North West Credit Union products and services.
Process new Member applications ensuring that AML documentation is obtained, correct and complete prior to submission for approval.
Promote North West Credit Union services and products and inform prospective Members of the benefits of membership.
Communicate effectively and sensitively when responding to Members in person, on the phone and through email within GDPR guidelines.
Maintain accurate and concise records in line with relevant data policies and procedures.
The above is not an exhaustive list of responsibilities and may be subject to change in line with the overall objectives of the credit union.
Role Requirements: QFA, working towards that qualification or a third level qualification in a related field or a professional financial services qualification.
Minimum 1 years experience in a similar role in a financial institution, with strong underwriting experience in personal loans.
Promote a culture that reflects the credit unions values and encourages good performance and excellent member services.
Strong business acumen with ability to interpret business financial statements and key drivers of results.
Proven record in managing credit quality and compliance with policies and procedures.
Strong organisational skills and ability to prioritise and manage workload.
Strong negotiation skills with ability to identify key risk issues in negotiation of borrowing facilities and to deliver alternative solutions if required.
Drive and energy, desire to get results, ability to take action, to get things done, having a strong action orientation.
Flexibility and adaptability to learn and work on different tasks under different situations.
An ability to work on own initiative and interact as a part of a highly motivated team.
Friendly and approachable believing in teamwork and collaboration.
Excellent communication skills, both verbal and in writing.
Exemplary governance and ethics.
Proficiency in Microsoft Word, Excel and Outlook.
If you are interested in this role, please submit your CV by the 4th November ****.
Skills: Banking lending loans