Job Description

• Leading and managing our loans team to deliver a high quality and efficient loans service to our membership
• Development of functional objectives that support the overall achievement of the business objectives
• Implementing and delivering against the lending policy whilst taking steps to manage the potential for delinquent debt
• Working with the Head of Operations and CEO to review the lending policy and make changes to help drive better outcomes for our members and business whilst effectively managing our risks
• Underwrite high-risk or high value loans as per the lending policy and relevant levels of authority
• Proactively communicate the performance of loans products and promotions to the wider business and attend weekly management meetings
• Manage relationships with our strategic partners to understand their needs and suggest new potential opportunities
• Counter sign loans where required as per the lending policy
• Creating and delivering effective reporting on loans that helps the business monitor and respond to the needs of our membership
• Identifying ways to improve our internal processes to drive efficiencies for both our members and the loans team
• Working with the wider business on system changes or implementation to ensure any changes brought about support the loans process and our members
• Creation and maintenance of our internal lending policies, processes and procedures
• Managing the performance of the individuals within the loans team, driving positive performance, delivering effective personal development plans and coaching the team
• Assessing the quality of loan decisions within the team and working with the team to drive a consistent approach
• Proactive support the wider business with their understanding of our loans process and products to help increase awareness and service to our membership
• Develop and maintain awareness of PSCU risks and risk frameworks in line with regulatory expectations
• Liaising appropriately with the finance team to ensure loan repayments are set up effectively
• Maintain and develop own skills, knowledge and behaviours as well as keep up to date with regulatory standards and changes
• To demonstrate the PSCU values and competencies at all times
• To assist with and provide support to other projects and activities as and when required.

Required Knowledge, Skills, and Abilities

The successful candidate will be an experienced Lending Manager/Underwriter and a history of adding value in their businesses. You will be an excellent team player, communicator and be able to commute to the client offices for work in Harlow. This is a flexible role where you will be office based for 3 days and remote for 2 days per week.