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
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Alex Caffrey

Senior Recruitment Consultant 01 5005910