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Nenagh Credit Union

 

Senior Loans Officer


JOB TITLE: Senior Loans Officer
REPORTING TO: CEO and Head of Lending
 
Nenagh Credit Union Limited are inviting applications for the position of Senior Loans Officer, on a   fulltime, permanent basis. This is an excellent opportunity to join a progressive and ambitious Credit Union with over 16,000 members and assets in excess of €82 million. Nenagh Credit Union wish to appoint a self-motivated individual with excellent communication and interpersonal skills to this position.

 

GENERAL SCOPE OF ROLE:

Reporting to the CEO and Head of Lending, the Senior Loans Officer will have key responsibility for assessing members’ applications for loans in adherence to the credit union’s lending policies and procedures, and in accordance with responsible lending practices. With a focus on personal lending and with plans to commence SME lending, the Senior Loans Officer will also support the Lending Team in a number of ways, including assisting in the areas of policy, lending strategy and loan product development, along with contributing to the smooth operation of the lending function by undertaking related administrative and organisational tasks, business development and supporting the Credit Unions Strategic Development Objectives.

 

More specifically, he/she will:

  • Assess member loan applications in accordance with lending policy and procedures, operating strictly within the specified limits of authority, practicing responsible lending in accordance with the credit union ethos and working closely with the credit union Management Team.

  • Communicate with and assist members regarding their loan applications in person, by telephone and by various online/electronic means in line with the ethos of the Nenagh Credit Union

  • Lead by example in the delivery of the Credit Unions Principles and Values with a particular focus on superior member experience

  • Contribute to an excellent member experience by providing member excellence  together with an efficient loans service to members.

  • Develop local market awareness in conjunction with the Head of Lending/Business Development Officer

  • Establish relationships with local businesses and community organisations

  • Assist in developing lending policy, lending strategy and loan product development; including identifying and implementing process efficiencies within the lending team, and improvements to administration practices; particularly in the area of SME lending which the Credit Union intend to commence providing

  • Provide training, coaching and guidance to the wider credit union staff team, and contribute to loan underwriting and decision-making, particularly in relation to the more complex loan applications

  • Support the activities of the credit committee, which will involve attendance at credit committee meetings and producing reports as required

  • Ongoing liaison with the wider CU team, including the management team, credit control, operations and marketing functions

  • Understand and deliver on compliance requirements in all situations and ensure procedures and compliance necessities including AML and GDPR are adhered to.

The above is not an exhaustive list of duties as may change to meet the overall objectives of the Credit Union


The Person:

  • Progressive, solution focussed & flexible, with a proven track record of working on own initiative

  • Minimum 5 years previous lending experience, ideally with previous exposure to Mortgage & SME lending

  • A relevant financial services lending qualification, such as APA loans and/or QFA (or equivalent)

  • Excellent interpersonal, communication & member contact skills, and a clear understanding of what great member experience is & how it is delivered.

  • Strong knowledge of financial & other appropriate regulations

  • Attention to detail; key to ensure that the Credit Union meets its responsibilities as a regulated entity & gets it right first time for the member

  • Strong people skills, with the ability to coach, mentor and guide the development of colleagues within the lending team, and to work effectively with other team members

  • Satisfy current ‘minimum competence’ requirements for lending as set by the Central Bank of Ireland for the credit union sector, and be willing to undertake further training to achieve those requirements that may be updated/amended from time to time.

The Process:

Please email your CV with the subject line  Senior Loans Officer to: careers@nenaghcu.ie before close of business on Friday 29th October 2021.

Short listing may apply, and assessment will be done on the basis of the information provided in the application.

Nenagh Credit Union Limited is an equal opportunities employer.

Canvassing will disqualify.

Nenagh Credit Union Limited is regulated by the Central Bank of Ireland.

Nenagh Credit Union’s Data Privacy Statement can be accessed at: www.nenaghcu.ie