Loans Officer (12 Month Contract) - North Midlands Credit Union

North Midlands Credit Union is currently recruiting for the role of Loans Officer. This is a full time 12 month fixed term position based in either Longford or Mullingar.

About the Role

North Midlands Credit Union is seeking a motivated and detail oriented Loans Officer to join our Lending Department on a 12 month fixed term contract. Reporting directly to the Head of Lending, the successful candidate will support day to day loan operations, engage with members and ensure efficient handling of loan applications from initial query to underwriting. This position involves daily interaction with our valued members, requiring exceptional communication skills, a commitment to delivering outstanding customer service, a proactive approach to member support and a thorough understanding of lending procedures.

Key Responsibilities

• Work with and under the supervision of the Credit Officer or as delegated.
• Ensure that the Credit Union lending policy is implemented efficiently and effectively.
• Deal efficiently and courteously with members in a confidential, discreet and sensitive manner; exercise judgement and care in the approval and recommendation of loans.
• Provide expert, tailored lending advice based on each member's needs.
• Act as the first point of contact for loan queries; take and assess loan applications across the Credit Union's full range of loan products, from members in person, over the telephone, online and through other communication channels in line with North Midlands Credit Union's policies and procedures.
• Conduct thorough financial assessments to determine suitable options.
• Maintain CRM records and manage pipeline activity efficiently.
• Deal with other member queries as they arise.
• Maintain fast turnaround times while ensuring compliance with AML and lending policies.
• Collaborate with marketing and business development to enhance member offerings.
• Contribute to departmental meetings and help shape a member centred lending service.
• Other duties delegated by the Management or Supervisory staff from time to time.

Required Skills & Experience

• 3-5 years personal lending experience in a financial institution.
• Self motivated with a "Right First Time" ethos.
• Organised approach with the ability to prioritise tasks effectively.
• Skilled in engaging with members and understanding their financial needs.
• Minimum APA qualification (QFA Loans module + QFA Regulation module) or full QFA is desirable.
• Strong credit lending and underwriting experience is essential.
• Excellent organisational skills with demonstrable ability to develop and enhance work practices.
• Ability to work on own initiative and as part of the wider lending team.
• Full clean driving licence and own transport essential.

A full job description is available on request from the Operations Support / HR Administrator.

Applications for the above position detailing education & experience should be made in writing and addressed to:

OPERATIONS SUPPORT / HR ADMINISTRATOR,
NORTH MIDLANDS CREDIT UNION,
OLIVER PLUNKETT STREET,
MULLINGAR, CO WESTMEATH.

OR VIA EMAIL:

Closing date for applications: Tuesday 2nd June 2026.