Lending & Business Development Manager at Ballina Credit Union

3 days ago

Ballina Co Mayo, Ireland Metamo DAC Full time

About Ballina Credit Union:Formed in 1968 Ballina Credit Union has proudly grown to over €110 million in asset size. Through our dedicated team, we proudly serve over 17,000 members and operate from our office in Ballina Co. Mayo. Position: Lending and Business Development Manager Role Summary: The role will be responsible for the operational function of the lending department whilst ensuring the growth and stability of the loan book and maintaining the gold standard in member service and delivery. The successful candidate will have a strong focus on product, efficiency optimisation, and people management. The role will also focus on business development for the credit union and will be key to identifying and implementing growth opportunities for Ballina Credit Union. The successful candidate will be responsible for ensuring the highest standards of corporate governance with legal, regulatory, and all associated credit policies. The Lending and Business Development Manager will sit as a member of the Senior Leadership Team. Role Purpose: The Lending and Business Development Manager will primarily be responsible for the strong asset quality in the credit union's existing loan book and future lending. They will also be responsible for all aspects of the members loan experience including underwriting and will help identify opportunities for the credit union to diversify its lending options. The Lending and Business Development Manager will manage the day-to-day operation of the lending team to ensure the highest standard of member satisfaction while helping to grow Ballina Credit Unions market share through proactive business development while working with the relevant stakeholders to achieve Ballina Credit Unions strategic objectives. Relevant qualifications and significant lending experience in personal loans, lending to self-employed individuals, small to medium-sized enterprise lending, and mortgage lending are required. The successful candidate must also understand Ballina Credit Unions ethos and operating principles. Key Responsibilities/ Accountability: Oversee and lead the lending function including management of the lending team, strong underwriting experience is required. Work with the Credit Committee, Board, CEO, Senior Leadership Team, and relevant stakeholders to develop the Credit Unions lending strategy and lending policies. Ensure the appropriate policies, systems, procedures and practices are operating efficiently and effectively with continuous improvement and development to the fore. Preparation, assessment, and approval of loans in accordance with regulation and within the remits of policies. Ensure compliance of the overall lending function within the parameters of the Lending policy, risk appetite, and regulations and make amendments where required. Review the loan portfolio regularly to identify emerging risks, trends, or opportunities for growth Foster and develop relationships with relevant internal and external stakeholders. Champion team development and the progression and development of loan officers team members and provide relevant support and training. Handle and respond to member feedback, complete detailed analysis or investigation, and ensure the timely resolution of member queries Develop a deep understanding of our members and their behaviours whilst liaising with and supporting the marketing and business development department. Identify and promote new lending opportunities in a manner that is consistent with the credit unions strategic and risk management objectives Ensure compliance with financial services legislation and liaise with required relevant regulatory stakeholders and bodies. Provide support to the Credit Committee and prepare monthly reports and attend meetings as required. Business Development To identify and develop new business growth leads and prospects and prepare business case documents for the Chief Executive Officer/Board of Directors. Researching organisations and individuals to find new opportunities followed through by contacting potential members to establish rapport and arrange meetings. Arrange meetings in person and onsite visits with local employers, professionals, businesses, the SME community. Attending and in some cases participating in public meetings, events, and forums, fostering the development and building of relationships. Schedule and attend member meetings, calling commercial outlets, such as accountants, tax advisors, and advisor groups. Develop and implement sales strategies that increase the credit union's existing volume of business and activity levels with increased levels of quality loan application submissions, approval, and draw down. Criteria Ideally held by the Lending and Business Development Manager: A minimum QFA qualification or Professional Bankers designation Bachelors degree in finance, Business, or a related field is desirable Minimum 5 years experience in a results-driven, lending role Minimum of 3 years of people management experience Experience working in a Credit Union or a regulated Financial Services Provider is essential. Ability to assess, critically evaluate and interpret complex information and to identify key credit risk drivers Strong credit analysis and credit underwriting experience in personal and SME lending Excellent written and oral communication skills Financial and computer literacy Ability to work on their own initiative to deliver agreed targets Exceptional time management skills and ability to prioritise Other Information: Salary will be commensurate with qualifications & relevant experience. This is a full-time role. The closing date for applications will be Sunday the 16th of February 2025 This role is classified as a Controlled Function under the Central Bank Reform Act 2010 (as amended), requiring an appropriate fitness and probity assessment. Our Privacy Notice is available on our website Shortlisting may apply, and an assessment will be completed on the basis of the information provided in the application. Ballina Credit Union is proud to support a diverse and inclusive workplace. Ballina Credit Union is regulated by the Central Bank of Ireland. Skills: Lending Financial Analysis Business Development Loans Management

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