Senior Loans Officer - Health Services Staff Credit Union

Senior Loans Officer

Contract: Permanent Full Time - 35 hours per week.

Reporting To: Assistant Lending Manager - Senior Lending.

Location: High Street Dublin 8.

Renumeration: €46,478-€56,602, depending on relevant financial working experience and qualifications.

Annual Leave: 26 days. Occupational Pension Scheme.

Role Description

• Assess credit applications including personal, business, overdraft, reschedules and, if required, mortgage applications.
• Review borrower's ability to repay and assemble associated paperwork.
• Review credit reports (e.g., CCR reports) and analyse self employed applicants' financial circumstances.
• Conduct stress tests as required.
• Approve loan applications within authority limits and policy.
• Contact members regarding ongoing applications and decision outcomes.
• Review applications for extensions or rescheduling agreements.
• Prepare and present complex loan applications to the Lending Team Manager, Combined Authority, Credit Committee and Board.
• Process loan requests on computer systems to reflect decisions.
• Deal with Business Loan queries through to application.
• Deputise for Lending Team Assistant Managers in their absence as required.
• Communicate decisions and actions to the Lending Team and senior management as required.
• Contribute to credit policy discussions.
• Assist with or participate on Board Committees, particularly the Credit Committee, if required.
• Perform administrative duties associated with the team's work.
• Maintain appropriate controls and inform senior management of any deviations from agreed timelines or policies.
• Support and promote sustainable energy, water and waste initiatives for a more efficient Credit Union.
• Perform any other duties that may be required.

Person Specification

• Excellent communication and interpersonal skills.
• Ability and confidence to communicate effectively both orally and in writing.
• Good initiative with minimal direction.
• Ability to work to deadlines and prioritise tasks under pressure.
• Willingness to take on new tasks and projects.
• Flexibility in the workplace to facilitate job/office rotation as required.

Competency

• Member Relationship Management - Very Strong
• Communication and influencing - Strong
• Strategic thinking and commercial acumen - Strong
• Teamwork and collaboration - Strong
• Planning and priority setting - Strong
• Problem solving and decision making - Very Strong
• Results focus - Very Strong
• IT Knowledge - Good
• Technical: Lending - Very strong

Qualifications and Experience

• Minimum of an APA in Loans, Savings and Investments or equivalent satisfying the Central Bank of Ireland's Minimum Competency Code.
• Mandatory satisfaction of Fitness & Probity requirements.
• A relevant third level or professional qualification is an advantage.
• 2-3 years of personal loan underwriting experience.
• Good working knowledge of Wellington IT (Scion) is an advantage.

Equal Opportunity Statement

Health Services Staffs Credit Union is an equal opportunities employer. We encourage applications from candidates with different backgrounds, experiences and perspectives. We are committed to positively supporting candidates with disabilities and making reasonable accommodations in the recruitment process.

Recruitment Process

Please contact to discuss the application. Interviews will take place in person.

Contact

Email: