Careers - Lending Manager

Job Title:         Lending Manager
Reporting to:   CEO

Ballyshannon & Killybegs Credit Union Limited is a progressive and growing community-based Credit Union serving 16,000 Members from five offices in Ballyshannon, Killybegs, Ardara, Pettigo and Glenties, County Donegal. The Credit Union has 19 employees  and manages assets in excess of €80m. The vacancy arises due to an internal promotion.

Reporting to the CEO, the main responsibilities of the Lending Manager are to:

• Oversee and lead the Lending and business development / marketing functions.
• Assess and approve loans in accordance with the regulations and credit policy.
• Ensure the appropriate credit policies, systems, procedures and practices are operating efficiently and effectively.
• Ensure compliance of the overall lending function within the parameters of the credit policy, risk appetite and regulations.
• Review the loan portfolio regularly to identify emerging risks, trends or opportunities for growth.
• Develop new lending products, prepare analysis and business cases for approval that are consistent with the overall credit union ethos.
• Build a roadmap of strategic and tactical opportunities to develop the product set of the credit union.
• Take responsibility for the motivation, performance management and personal development of the lending team.
• Provide timely and adequate management reporting and develop KPIs to support the role.
• Attend board and committee meetings as requested by the CEO or board and report (verbally and in writing) on aspects of credit union operation, where required.
• Monitor product and service uptake in lending, identify trends, make recommendations and prepare detailed and costed proposals to enhance lending.
• Manage the rollout of new lending products and services.
• Manage the credit union’s relationship with all relevant external agencies related to lending.
• Contribute as part of the management team to the overall development of the credit union.
• Assist the CEO in the implementation of board policies and directives.
• Take responsibility for all areas of internal control management in lending, including contributing to maintenance and enhancement of policies, procedures, standards and controls and adherence to regulatory requirements.
• Assess loan applications, particularly in relation to mortgage, SME, sole trader, and agri lending.

The successful candidate will have:

• A minimum of five years’ experience working in a lending function.
• Minimum QFA or APA (Loans) qualification is required.
• Experience in personal, SME / agri and mortgage lending.
• A track record of service delivery and business growth.
• Exceptional people management and motivational skills.
• A detailed knowledge and understanding of credit unions, their operating principles and ethos.

The position of Lending Manager is a Controlled Function (CF) subject to the Central Bank of Ireland’s Fitness & Probity Standards and Minimum Competency Requirements.

Salary will be competitive and commensurate with experience and qualifications.
Ballyshannon & Killybegs Credit Union Limited is an Equal Opportunities Employer. 
Applicants will be shortlisted for interview.  Canvassing will disqualify.
Ballyshannon & Killybegs Credit Union Limited is regulated by the Central Bank of Ireland.

Please forward, Cover Letter and CV in confidence quoting reference LMG-01 by email to recruitment@odaconsulting.ie to arrive on or before Thursday, 31 July 2025.
 
O’DONOVAN ASSOCIATES
P.O. Box 8332
Blackrock Business Park
Co. Dublin
Email:       recruitment@odaconsulting.ie
Tel:          01-2104952

Applications to O’Donovan Associates only.
Canvassing the Credit Union will disqualify.
To obtain a copy of the Recruitment Privacy Notice, please email recruitment@odaconsulting.ie
 
Closing Date for Applications:  Thursday, 31 July 2025.