Health Services Staffs Credit Union Limited

 

Senior Loans Officer - Credit Team

Position:                              Senior Loans Officer – Credit Team
Contract:                             Permanent Full Time
Reporting To:                    Asst. Credit Manager/Credit Manager
Location:                             High Street – Dublin
Renumeration:                 €40,490 to €46,170 depending on experience
                                                   Defined Contribution Occupational Pension scheme
A/L:                                        26 days p.a.
 
 
The Health Services Staffs Credit Union is a large industrial credit union (over 51,000 members) with a steadily growing loan book which currently stands at €183M.  The credit team is comprised of 10 team members, and is responsible for the underwriting, processing and approval / referral of loan applications received from our members.  Staff from the team constitute the Combined Authority and decide on applications as required by policy.  The Team also provides support to the Credit Committee. We now have an exciting opportunity for a Senior Lending Officer to join our team.
 

Role Description:

The Senior Loans Officer will have a variety of duties within the Credit Team.  They will be required to provide support to members of the team, both administrative and technical.  Such duties to include:

 
  • Assess credit applications including personal, business, overdrafts and mortgage applications

    • Review borrower’s ability to repay

    • Assembling the paperwork associated with the application

    • Review credit reports

    • Analyse applicants financial circumstances

    • Conduct stress tests as required

    • Deal with the administration of the legal process required in the issuing of mortgages

  • Approving loan applications within approval authorities / policy

  • Contacting members relating to ongoing applications / decision outcomes

  • Reviewing applications to extend / reschedule agreements

  • Preparing and presenting complex loan applications to the Credit Manager / Credit Committee

  • Processing loan applications on the computer systems to reflect ongoing requests and Loans Officers / Committees’ decisions.

  • Deputise as required for the Credit Team Assistant Manager in his / her absence

    • Making appropriate decisions and taking appropriate actions to support the smooth running of the Credit Team

    • Communicating any such decisions / actions to the Credit Team Assistant Manager as required

  • Contributing to the credit policy as part of the team discussions

  • Assisting with / participating on Board Committees, in particular, but not limited to; the Credit Committee.

  • Any other related duties, which may be requested by the Credit Manager or by the Board of Directors via the Senior Management Team from time to time.

  • Adherence to guidelines and policies of the HSSCU

  • Administrative duties associated with the work of the team.

  • Identify the need for training either within the team or throughout the wider organisation

  • To prioritise all tasks required to be completed according to their urgency

  • Making suggestions for improvements in controls on the work

  • Working collectively with peers and team members

  • Assisting with performance management of other team members

  • Contributing to the management of the team

 
Person Specification
The successful candidate will be a highly motivated individual, with the following:
       
  • Strong ability to organise effectively, solve problems quickly and communicate clearly;
  • Proven track record of innovation & creativity in their roles.
  • Excellent communication and interpersonal skills
  • Excellent analytical & decision-making skills
  • Ability and confidence to communicate effectively both orally and in writing
  • Ability to work under own initiative with minimal direction
  • Provide mentoring & coaching to peers, reportee’s and new staff.
  • Ability to work to deadlines and targets, can prioritise tasks under pressure
  • Willingness to be flexible and take on new tasks and projects
  • Achieve and maintain qualifications under the Minimum Competency Code (MCC) as set out by the Central Bank of Ireland
  • Partake in the fitness & probity requirements for credit union officers as set out by the Central Bank of Ireland
  • Good information technology skills
 
Competency Level
Member Relationship Management Very Strong
Communication and influencing Very Strong
Strategic thinking and commercial acumen Strong
Teamwork and collaboration Very Strong
Planning and priority setting Very Strong to Expert
Problem solving and decision making Very Strong to Expert
Results focus Very Strong to Expert
IT, digital and social media Basic
Creativity & Innovation Strong to very strong
People Management & Leadership Strong to very strong
 
 
(A full Job description is available on request)
 
Requirements:
  • Must satisfy Minimum Competency Qualification in line with the requirements of the Central Bank of Irelands Minimum Competency Code
  • Comprehensive knowledge with 3 years’ relevant lending experience
  • Mortgage & overdrafts experience is an advantage. 
     
    Other Qualifications
  • A relevant third level or professional qualification an advantage
 

Please apply with the completed typed application form and full CV to the HRD Manager, by emailing recruit@hsscu.ie by 1pm 30th January 2020 , with the reference in the subject line of  Senior Lending Officer
 
Expected interviews week commencing the 3rd February 2020.
 
Health Services Staffs Credit Union is an equal opportunities employer, canvassing will disqualify. If you would like a copy of our Recruitment Privacy Statement, please request same from the recruiter.