Life Credit Union is a socially responsible financial institution dedicated to delivering exceptional value and service to our members for over 50 years. Established in 1968, we are one of the largest Credit Unions in Ireland, with assets of €197 million and a membership base of over 37,000. We operate four branches in Naas, Maynooth, and Newbridge, offering a range of ethical financial services, including savings and flexible loans.

As a not-for-profit organisation, the money we make goes directly back to our members and the community. This commitment sets us apart from competitors and drives our mission to provide professional, welcoming, and efficient service. Every member of our team takes pride in supporting members’ financial well-being and making a positive impact.

Role Details

The Mortgage Advisor will support members through the mortgage application process, providing expert advice and making recommendations within Credit Union lending policies and regulatory requirements. This role combines advisory services with credit risk assessment to ensure members receive a personal, professional experience during this important financial decision. As part of this role, the successful applicant will be required to underwrite unsecured personal loans.

Main Duties

• Conduct face-to-face and virtual meetings with members to discuss mortgage options, affordability, and application requirements.

• Provide tailored advice on mortgage products, terms, and repayment options, ensuring members fully understand their choices.

• Assess mortgage applications, including analysis of income, financial accounts, and supporting documentation and make recommendations.

• Operate within Credit Union lending policies, Central Bank regulations, and risk parameters.

• Ensure all applications are processed and decisions communicated within agreed SLAs.

• Underwrite unsecured personal loans.

• Maintain accurate records and compliance with internal policies and legislative requirements.

• Contribute to training and knowledge sharing within the lending team.

• Identify opportunities to promote mortgage products and enhance member engagement.

The Successful Candidate Will Have

• Strong knowledge of mortgage products, lending criteria, and regulatory requirements.

• Excellent interpersonal and communication skills, with a focus on building trust and delivering a personal touch.

• Experience in underwriting unsecured loans.

• Analytical and sound decision-making skills.

• Ability to work independently and as part of a team.

• Strong organisational and time management skills.

• Commitment to delivering exceptional customer service.

Qualifications

• QFA or APA qualification.

• Previous experience in lending or a financial advisory role.

Location & Hours

The position is Permanent, Full-Time (37.5 hours p/week)

The successful candidate must be available to work in any branch office; Main St, Naas; Main St, Maynooth; Main St, Newbridge; Monread Centre, Naas; or other such location as may be determined by the credit union within the common bond.

Exact days/working hours may be across these days/times:

• Monday, Tuesday, Wednesday & Friday; 9.00 am to 17.15 pm

• Thursday; 9.00 am to 20.15 pm

• Saturday, 9.00 am to 13.30 pm

Life Credit Union is committed to attracting, recruiting, and retaining individuals with diverse backgrounds, skills, and competencies. We cultivate a culture of inclusion for all employees that respects their individual strengths, views, and experiences to enhance the service we provide to the members we serve.

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Mortgage Advisor

Job Description