Limerick & District Credit Union has an exciting opportunity to be part of an ambitious and forward looking team. The Loans Officer will report directly to the Head of Lending and will be primarily responsible for assisting the Head of Lending in preparing and assessing loan applications from members in line with lending policies, ensuring all legislative and regulatory requirements are adhered to. The Loans 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. Comply with all lending, legislative and regulatory policies. 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. Strong underwriting experience required within personal lending. Experience in SME and/or Agri loans would be desirable. 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. 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 Loans Manager. Contribute to the successful management and follow-up on loan application pipeline. Liaise with other staff to recognise lending opportunities and direct these opportunities to the Credit Union. Provide exemplary customer service to all Limerick & District Credit Union members and potential new members. In conjunction with the Head of Lending ensure that the 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 members at all times. Promote a culture that reflects the 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 in regard to Limerick & District Credit Unions real time policies and procedures. Process new Member applications ensuring that AML documentation is obtained, correct and complete prior to submission for approval. 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 list is not exhaustive and may be subject to change in line with the needs of the business. What are we looking for? Minimum of 2 years experience lending an advantage. APA qualified minimal or working towards the QFA qualification. Strong knowledge and understanding of lending structure and workflow processes Ability to digest data, analyse information and relate that to the loans process. Results driven Customer focused with a proven track record delivering exemplary customer service Excellent verbal and written communication skills with strong interpersonal skills Demonstrate strong analytical and numerical skills Detail oriented and well organized with exemplary manner Proficiency in Microsoft Word, Excel and Outlook applications along with good typing skills. Able to achieve all individual operational targets without compromising on Quality of Service Flexible and adaptable with a positive attitude to change Be Member focused and alignment with ethos and values of Credit Union Strong organisation and planning skills as well as problem solving Flexibility and adaptability to learn and work on different tasks under different situations Drive and energy, desire to get results, ability to take action and to get things done, Skills: Strong Lending Experience Excellent Planning & Organisational Skills Attention to detail