Description
We are seeking a Credit Specialist to support the Senior Credit Originator and wider Private Bank Ireland Banking & Credit team in delivering credit solutions to high net worth and ultra-high net worth clients across Ireland and the wider European market.
The role will support the progression and completion of new and existing credit transactions, including renewals, credit-related client enquiries and the day-to-day management of credit facilities. Working closely with Private Bankers, Credit Risk, Operations, Legal and other key stakeholders, the Credit Specialist will help deliver an exceptional client experience while ensuring appropriate governance, risk and regulatory standards are maintained.
The product range includes loans, investment leverage, overdrafts, bespoke lending solutions and mortgages.
Key Responsibilities:
- Provision of SME expertise on specific products and services to customers and colleagues, including features, functionalities, benefits, limitations, risks and compliance
- Understanding of market trends, new features, regulatory requirements and potential risks, and analysis of data obtained from sales figures and customer feedback, to support the product development process, and communicate key findings to relevant stakeholders to improve product offerings
- Response to customer inquiries and obtain a detailed understanding of complex personal / corporate financial circumstances in order to provide options for suitable product solutions. Support with resolution of issues, and provision of guidance on product usage
- Assistance with the development and execution of marketing materials for the product, such as pitch materials and client presentations
- Participation in training sessions and workshops to share product knowledge and expertise with colleagues and other stakeholders
Assistant Vice President Expectations:
- To advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions/ business divisions
- Lead a team performing complex tasks, using well developed professional knowledge and skills to deliver on work that impacts the whole business function. Set objectives and coach employees in pursuit of those objectives, appraisal of performance relative to objectives and determination of reward outcomes
- Identify ways to mitigate risk and developing new policies/procedures in support of the control and governance agenda
- Take ownership for managing risk and strengthening controls in relation to the work done
- Perform work that is closely related to that of other areas, which requires understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function
Requirements:
- Strong client focused mentality and proven negotiation skills, with both external and internal clients
- Ability to work under pressure and to tight timescales to ensure the desired customer experience is always delivered or exceeded
- Strong stakeholder management and experience of operating in a matrix management structure
- Excellent prioritisation and organisational skills
- Highly proficient at in MS PowerPoint/Word/Excel
Desirable Skills:
- Experience in a front-line role with a demonstrated ability to deliver high quality service to demanding client base
- Proven track record and experience in the sales, service and day to day management of credit products, along with developed credit skills
- Knowledge and experience of driving business and negotiating with internal and external stakeholders
- A broad knowledge of domestic and international financial marketplaces
- Experience working in a Private Bank and/ or Financial Services