At a Glance
- Tasks: Help Members with loan applications and provide top-notch customer service.
- Company: Join a supportive team at CCU, dedicated to helping our community thrive.
- Benefits: Earn £13.10 per hour with opportunities for growth and training.
- Other info: Must have a full clean driving licence and access to a car for branch travel.
- Why this job: Make a real impact by assisting Members with their financial needs in a friendly environment.
- Qualifications: 5 GCSEs including English and Maths; customer service experience preferred.
Overview
JOB TITLE: LOAN OFFICER
Reporting directly to the Lending Manager, the successful candidate will be responsible for processing loan applications for Members while providing excellent customer service and promoting CCU loan products and services that are tailored to the individual.
RESPONSIBLE TO:
Lending Manager assisted by the Branch Area Manager.
HOURLY RATE: £13.10
Responsibilities
- Create and build a rapport with the Member and provide excellent customer service both face to face and over the phone when taking loan applications.
- Offer a range of services available.
- Deal with and resolve Member queries when required.
- Follow company policies and procedures in line with Loan Officer duties.
- Ensure the correct documentation is collected, processed and uploaded to Progress, e.g., POID and POA.
- Loan applications: Income and expenditure; Ensure all data is recorded correctly and securely on Progress.
- Ensure proof of income is collected when required; record accurately ALL information gathered from members, ensuring data input and notes are a true and factual record of information obtained on all applications.
- Assess loan applications and all other loan related matters by all means of communication in an orderly and compliant manner, within your lending authority.
- Refer / defer loans to the Lending Team daily.
- Responsible for the delivery of all loan decisions, delivering all decisions to members verbally and face to face with a duty of care and sensitivity.
- Daily admin duties including: Scanning; Filing.
- Complete all relevant training when required.
- Assisting with Cashier duties in line with business need and on request. Completing membership applications as per membership policy.
- Any other duties as directed by management team.
The above is not an exhaustive list of duties and you will be expected to perform different tasks as necessitated by your changing role within the organisation and the overall business objectives of the organisation.
Experience Essential
- Minimum of 5 GCSEs (including English and Maths) or equivalent.
- Previous experience in financial services, banking, or customer service roles.
- Understanding of financial products, loan types, and relevant regulations.
- Awareness of GDPR, anti-money laundering (AML).
- Strong attention to detail and accuracy.
- Excellent interpersonal and communication skills (verbal and written).
- Good numerical and analytical ability.
- Problem-solving and decision-making skills.
- Proficiency in IT systems, databases, and MS Office (especially Excel).
- Full clean driving licence and access to own car – must be able to travel between branches.
Desirable
- Experience in loan processing, underwriting, or credit assessment.
- Ability to interpret credit reports and apply lending criteria.
- Understanding of risk management and responsible lending.
- Experience handling confidential or sensitive information.
Essential Skill Set
- Integrity and discretion.
- Professional and trustworthy demeanour.
- Ability to communicate clearly and professionally with stakeholders at all organisational levels.
- Motivated, proactive, and results-driven.
- Comfortable working under pressure and meeting deadlines.
- Flexible and able to respond to changing business requirements, can-do attitude.
Loan Officer in Belfast employer: CCU Credit Union
As a Loan Officer at our organisation, you will thrive in a supportive and dynamic work environment that prioritises excellent customer service and employee development. We offer competitive hourly rates, comprehensive training, and opportunities for career advancement, all while fostering a culture of integrity and teamwork. Located in a vibrant community, our company is dedicated to making a positive impact on our Members' financial journeys, ensuring that your role is both meaningful and rewarding.
StudySmarter Expert Advice🤫
We think this is how you could land Loan Officer in Belfast
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like CCU Credit Union. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Loan Officer in Belfast
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to CCU Credit Union.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on CCU Credit Union's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at CCU Credit Union
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with CCU Credit Union.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at CCU Credit Union will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former CCU Credit Union employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
