Credit Officer

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Job Description

Purpose of the role 

The Credit Referral Officer is responsible for assessing borderline, high risk or non-automated finance (loans and leasing) applications within agreed policy guidelines. This involves the managing of stakeholder relationships and engaging relevant external stakeholders with a view to resolving issues and making sound decisions in a timely manner.

Accountabilities (high level)

  • Daily assessment of credit applications and ensuring all the departmental service standards are maintained.
  • Provide high level of customer service to Applicants, Buyers, Sellers and Internal Partners on decision justifications adhering to Privacy Policies and Strict Policy Guidelines.
  • Collating Credit Reports, References and Other supporting documents for Credit Submission.
  • Ensure database is updated with Buyer detail changes.
  • Assist Credit Sales team when required.
  • Identify, prevent and manage fraud activity as per policy guidelines.
  • Comply with Data Protection, Consumer Credit Acts (where applicable) and Anti-Money Laundering / Counter Terrorism Financing.
  • Assessing suitability of assets for new dealer accreditation and other duties as directed.

Skills, Qualifications & Experience:

  • Ability to produce results, in an environment where stretch objectives are continually set to meet increasing customer expectations.
  • Developed analytical skills gained through credit and financial assessment experience.
  • A strong strategic, planning and prioritise skills to effectively manage workloads as well as a high attention to detail and accuracy.
  • Well-developed communication skills that forge solid relationships both internally and externally.
  • Knowledge in Irish Credit Bureau would be desired but not essential.
  • An open communicator with a positive can-do attitude – demonstrates ability to give and receive constructive feedback.
  • Ability to work as an effective member of a team and proactively contribute to the achievement of team-based goals.
  • At least 1-3 years’ work experience within a high-volume customer service environment.  Experience in reviewing credit reports, interrogating bank statements, verifying information quickly and reading companies financial information is preferred.

 Capabilities & Competencies:

  • Engages stakeholders effectively
  • Effectively balances risk and return
  • Strong ability to exercise independent action and strong decision-making authority, as well as working as part of a team
  • Strong written and verbal communication skill
  • Strong documentation skills and excellent attention to detail
  • Proficiency in Microsoft Office suite (Excel, Word, PowerPoint, Outlook and especially Visio) and dbase applications, SAS, CMC, Salesforce and Microsoft Suite
Apply via LinkedIn

Alex Caffrey

Senior Recruitment Consultant 01 5005910 Alex.caffrey@cpl.ie