Description of business unit

The team offers a wide variety of options to customer of overdrafts, stocking loans and term loans.

The team looks after cases with a TGE of up to 500K and refer products on business divisions such as but not limited to BOIPA, GM, BIL & BCC.

This diverse and inclusive team offers a superb opportunity to expand your credit skills and be play a key role in the growth Strategy in Bank of Ireland

Purpose of the Role

The purpose of the role is to deliver Business Lending solutions to our Small Business and Agri Customers.

Key Accountabilities

• Handle all stages of the loan application process for Small Business & Agri customers over the phone.
• Be a key member of the Small Business & Agri Lending Direct team and collaborate with colleagues to deliver a seamless, coordinated and excellent service.
• Acquire all relevant credit information efficiently to enable sound decisioning in relation to lending applications.
• Evaluate the credit information provided and submit applications with recommendation to Credit Underwriters.
• Keep up to date with credit policy, regulatory, operational and administrative procedures for your role and ensure compliance with all regulatory requirements in all customer interactions.
• Provide team support and mentoring to less experienced colleagues on an ongoing basis.

What is the opportunity

We are offering an exciting and challenging opportunity to be part of a team that delivers Business Lending solutions to our Small Business and Agri customers!

Working at Bank of Ireland doesn't have to mean working in an office to have an impact. Our dedication to enabling colleagues to thrive means that depending on role type you can have choice and flexibility in where you work and live, subject to your role, customer needs and our requirements. We have a hybrid working model, with home, agile hub and office based options available. We will always list a primary location which can be where you go for in person collaboration, and a location where you can best perform your role.

Please note you must live in the jurisdiction for the business to which you are contracted.

This job can be done anywhere in ROI with the primary office location as Tallaght or Kilkenny to which travel will be required for in person teamwork. Exact frequency to be agreed with manager.

Essential Qualifications

The Direct Lending Advisor will actively engage and support the sales culture within the team.

They will be responsible for achieving their own agreed suggested sales activities and supports the team achieve overall agreed suggested sales activities and promote a culture of identifying cross-sales opportunities and referrals to other group units.

They will work closely with their team leader in identifying operational improvements and efficiencies.

QFA is the desired qualification but applications from individuals who are APA in Loans & Investments will be crucial on the understanding if successful at interview, they will commit to attaining QFA within 18 months of being appointed to the role.

Essential Skills & Experience

• Consistent track record in preparing and submitting high quality credit applications.
• Strong telephone and verbal communication skills!
• Candidates should also have significant experience in face to face or telephony lending.
• Strong customer focus and shown dedication to customer excellence standards at all times with the ability to engage small business owners and farmers in a collaborative conversation about their finances.
• Proven track record in Regulatory and Operational requirements.
• Ability to act on one's own initiative.
• Self-motivated and upbeat with drive and passion!
• Ability to work under time constraints and deliver to required deadlines

Key Competencies

• Customer Focused - Self
• One Group, one team - Self
• Agile - Self
• Accountable - Self
• Manage Risk - Self