Loans Officer

This isfull-time 12 month fixed termposition based inLongford.
North Midlands Credit Union is a large progressive community based credit union with assets of €500 million and a loan book of €120 million.
It has a membership of 64,500 and a branch network across seven offices: Mullingar, Castlepollard, Kinnegad, Rochfortbridge, Lanesboro, Arva and Longford.
We endeavour to be the most reliable, respected and preferred financial institution for our members, providing good value, modern, accessible and tailored products, services and support.
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 be instrumental in supporting day-to-day loan operations, engaging with members and ensuring the smooth and efficient handling of loan applications from initial query to underwriting.
This position involves daily interaction with our valued members, so requires 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:
Loan Approval and Administration
Working with and under the supervision of the Credit Officer or as delegated.
Ensure that the Credit Union lending policy is implemented in an efficient and effective manner.
Deal efficiently and courteously with members in a confidential, discreet and sensitive manner and 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
Other duties delegated to you by the Management or Supervisory staff from time to time.
A full job description is available on request from the Operations Support / HR Administrator.
The successful candidate will have the following skills and experience:
3-5 years personal lending experience in a financial institution
Self-motivated with a "Right First-Time" ethos
Organised and capable of prioritising 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
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: Wednesday 10th September 2025
North Midlands Credit Union Limited is an equal opportunities employer.
If you would like a copy of our Recruitment Privacy Statement, please request same.
Short listing may apply, based on written applications against the criteria set out above.
A panel for this specific role may be formed.
Canvassing will disqualify.
#LI-DNI
#J-18808-Ljbffr