Waterford Credit Union

Mortgage & SME Senior Advisor

Job Purpose

Waterford Credit Union (WCU) is firmly rooted within the community and where we serve our members and the community to the best of our ability whilst at all times striving to maintain the highest professional standards.  A unique opportunity has arisen within WCU for a highly motivated individual with a proven track record in Lending and Customer Excellence to join our Lending team.

Waterford Credit Union first opened its doors in 1963 and now operates a 3-branch network with over 30,000 members and assets of €181M.   Waterford Credit Union offers a wide range of financial products and services to its members at competitive rates and attractive terms.   This progressive community-based Credit Union now has an exciting opportunity to join the team as, SME & Mortgage Senior Advisor.

The SME & Mortgage Senior Advisor will work as part of the lending team and will be responsible for developing and managing a portfolio of SME & Mortgage customers who require finance. Responsibilities include the on-going management of applications throughout the lending cycle from an initial enquiry through to completion of any facility provided.  The successful candidate must have a proven track record of carrying out detailed assessments of SME and secured loan proposals, preparation of loan reports, delivering high service standards and ensuring compliance with policies and procedures.

Key Responsibilities:
 

Reporting to the Head of Lending, responsibilities will include, but not be limited to, the following:

• Build and maintain relationships with members requiring SME funding & secured loan facilities. Carry out detailed assessment of loan applications, assist borrowers to structure loan proposals, prepare clear and concise loan reports and make recommendations to the appropriate sanctioning authority.

• Support other team members and provide advice and guidance on loan applications.

• Participate in annual reviews of all SME and mortgage loan facilities.

• Ensure accurate and timely updates to the Head of Lending, the Management Team and The Board of Directors on the progress and performance of SME and mortgage applications.

• Ensure the highest standards of compliance with policies and procedures are achieved.

• Ensure all documentation relating to the provision of facilities is completed and recorded on the appropriate IT system and available for audit purposes.

• Ensure required cooperation with internal and external auditors.

 
Knowledge & Experience:

• Minimum 5years’ experience in a similar role in a financial institution.

• 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.

• Experience of coaching and mentoring junior members of a team.

• Have a proven track record in delivering results to achieve personal work goals and objectives.

• Strong member focus and a proven commitment to service excellence.

• Strong organisational skills and ability to prioritise and manage work load.

• Strong negotiation skills with ability to identify key risk issues in negotiation of borrowing facilities and to deliver alternative solutions if required.

• An ability to work on own initiative and interact as a part of a highly motivated team.

• Well-developed leadership and networking skills.

• Excellent communication skills, both verbal and in writing.

• Exemplary governance and ethics.

• Proficiency in Microsoft Word, Excel and Outlook

Qualifications:

Full QFA Qualification is essential.

How to apply:

If you are interested in the role, please email your CV and cover letter with the subject line ‘MA2023’ to Jen Power recruitment@waterfordcu.ie  by 5pm on Monday 2^nd October 2023.

The fine print:

Waterford Credit Union is regulated by the Central Bank of Ireland. Waterford Credit Union’s Recruitment Privacy Notice is available upon request. Waterford Credit Union is an equal opportunities employer. Canvassing will disqualify.