An exciting opportunity to join Our Team

Member Services/Loans Officer

Member Services/Loans Officer

We are currently recruiting for a Member Services/Loans Officer who will provide members of the Credit Union with a courteous, pleasant and professional service.

This is a full- time permanent role based in our Skibbereen Office. We offer a competitive salary and benefits package.

Hours: Tuesday to Friday 9-5.30, Saturday 9-1.30.

Applicants must have a minimum of 1/2 years Lending/Finance experience

QFA Qualification or equivalent desirable.

A Full Job Description is available on request and is also outlined below.

To apply please send an up-to-date copy or your CV to v.neenan@accesscu.ie

Closing Date for Applications is Friday 1st November at 5pm 2024.

Access Credit Union is an equal opportunities employer.

General Purpose of Role:

Reporting to the Operations Lead,

The Member Service Officer will:

  • Provide the members of the Credit Union with a courteous, pleasant and professional service on the counter as Teller.
  • As a Teller assist members with their account management, with any queries and with any of the range of services offered by ACU. This will be primarily be face to face at the counter, or via the phone, or through our website / email.
  • Provide back-office support to the team.
  • Work with the team to grow business in the Credit Union through proactively educating members to guide them on Credit Union offerings and innovations, maximising opportunities to engage members with the service(s)
  • Process loan applications, assisting members with their account management, acting as teller, assisting members with Credit Control queries and assisting members with any of the range of services offered by ACU.
  • Undertake prudent underwriting and lending assessment decision making by collecting, analysing and disseminating significant financial information.

Key Accountabilities:

·         Provide the members of the Credit Union with a courteous, pleasant and professional service, primarily by phone and email.

·         Deliver exceptional customer experiences and advice, managing the members lending journey and leveraging the full suite of Credit Union products, tools & services.

·         Provide service to members by telephone, post, email and face-to-face, including walking the queue at the credit union office.

·         Act as first point of contact for the customer to begin their lending journey with the Credit Union.

·         Ongoing communication with the member on the status of their application/decision making.

·         Assess credit applications including personal and business, review of borrower’s ability to repay, correctly preparing application paperwork, review of credit reports, and analysis of members financial circumstances.

·         Explain loan features and repayment options to members, and assist in arranging drawdown, remotely via DocuSign or in our branches.

·         Taking and completing membership and current account applications.

·         Administration of Member applications/Records as required including setting up appointments, gathering documentation, managing common bond queries, and supporting online membership.

·         Promotion and marketing of all services including representing MSCU at events as required.

·         Act as a teller by processing lodgements, withdrawals, accepting loan application and issuing approved loans.

·         Undertake filing/scanning, running reports, presentations   and administration tasks as directed by the Operations Lead.

·         Process the relevant documentation required for automatic member payments including EFT’s, Standing Orders & Member Payroll.

·         Deal with queries and respond to requests for information from members.

·         Take personal responsibility for developing skill and competency levels required to support customers on the use of MSC range of services.

·         Ensure Minimum competency APA professional accreditation in Lending /training/CPD requirements are met to carry out the role and the person is working towards a QFA qualification.

·         Contribute to Credit Union revenue through lead generation for other products and services.

·         Acting as loan officer with limits set by the Board.

·         Accurately and diligently handle cash; reconcile balances and account for any inconsistencies.

·         Undertake relevant training as deemed necessary by the management team.

·         Maintaining and updating the Web and Online accounts, and assist members in setting up online accounts, and deal with online access queries.

·         Ensuring that all internal procedures are adhered to.

·         In addition to your normal duties, you may be required to undertake other duties as defined by the Board or Manager to fulfil the requirements of the role.