Job Title: Member Services Officer - Loans Team

Location: Oldham

Salary: 22,000 - 23,000 per year

Job Type: Permanent, Full Time

Founded in 2002 Oldham Credit union (OCU) is a not for profit, democratic financial co-operative owned and run by its members.

Our mission is to provide access to fair financial services which promote greater financial inclusion and make a key contribution to the economic well-being of the Oldham Community.

We currently have over 5000 members holding 1.7M in savings and over 1.2M out on loan.

We are looking to build on these strong foundations and improve and grow the organisation. As part of this re-organisation we are looking to appoint a Member Services Officer (Loans).

The Role:

To assess loan applications in accordance with credit union policies and procedures.

To work closely with a team of staff and volunteers to monitor the loan portfolio and ensure that it is managed safely and effectively.

To contribute to the ongoing development of appropriate credit union policies, procedures and products to enable the credit union to achieve ambitious growth targets.

Key duties and tasks:

The Role includes (but is not limited to);

To ensure that all lending enquiries, by phone, face to face, in writing and via the website and mobile App are dealt with effectivelyTo underwrite loans according to credit union policy and procedures up to an agreed limit of authorityTo communicate loan decisions to members and to issue loan agreementsTo work with the Senior Member Services Officer (Operations) to monitor, improve and develop the credit union's lending serviceTo support the introduction and promotion of new products and servicesTo provide monitoring information as requiredTo update member accounts and to undertake any associated duties relating to member accountsUndertake any necessary training and development as and when requiredTo cover essential duties / operations of the credit union during absence and holidaysAttend regular staff meetingsProduce statistics as required by the organizationCarry out any other reasonable task to support the effective operation of OCU as requiredWe are looking for the following Essential Criteria:

Strong numeracy, verbal and written skillsExperience of using IT systems and applications (Word, Excel, Power-point, Outlook)Good Team PlayerAccurate with attention to detailExcellent communication skills written and spokenAn understanding of the need for compliance with all regulatory requirementsCommitment to the ongoing future development of the credit unionWe are looking for the following Desirable Criteria:

Experience of working in a financial / customer service settingExperience / Knowledge of Loan assessment and underwritingAbility to confidently use various IT systems and platforms, which includes (but is not limited to): The Credit Union's CRM system; the Credit Union's customer interaction mobile app (currently Nivo); Website and Social MediaAn understanding of what constitutes 'a vulnerable customer', and the ability to interact appropriately with members who fit this descriptionWhy Choose us?

A competitive salary of up to 23,000 depending on experienceWe offer auto enrolment pension contributionsPermanent Role -Full Time 36.40 hours per weekA starting entitlement of 25 days Annual Leave which increases the longer you stay with usWe operate a contractual sick pay scheme because we value the well - being of our teamPlease click the APPLY button and to submit your CV.

Candidates with experience of: Member Services Officer, Loans Officer, Credit Union Loans Officer, Loans Team Member, may also be considered for this role.