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Consumer Underwriter


Consumer Underwriter

Dublin | Ireland

Consumer Underwriter

The Credit Underwriting Unit is part of Credit Operations, and is responsible for the underwriting of credit applications that fall outside scoring for Consumer Lending, Credit Cards and Small Business & Agri, up to Total Group Exposure €500k. This is a key unit within the Group and partners Business Banking, Consumer Banking and Distribution in seeking to add quality assets to the Groups Balance Sheet while respecting capital, and ensuring risk /reward is optimised.

To facilitate the challenging Business growth agenda, we are looking for a highly motivated and energetic people with strong credit skills to join a team of highly skilled professionals on the Consumer Lending Team. This is an ideal opportunity for an enthusiastic person to develop their skills in Credit, broaden their business acumen and commercial judgment capability, providing them with a solid base for further career development.

The opportunity:

To support the Banks key priorities by delivering high quality credit decisions in appropriate time frames with continuous focus on risk management

Location: This role is based in The Operations Centre, Cabinteely.

Key Responsibilities:

  • Ensure all credit applications are assessed and decisions given within agreed SLAs.
  • Carry a lending discretion and operate within that discretion.
  • Assessment and presentation to Management of higher value applications.
  • Support lending objectives within the parameters of acceptable credit risk and appropriate balance between credit quality and policy.
  • Build and maintain strong working relationships with all relevant stakeholders.
  • Effective and efficient Workflow Management with continued drive to improve productivity and operational efficiency.
  • Adherence to Credit Policy, Compliance, Audit requirements and ensure continued focus on the Risk awareness agenda.
  • Support overall business growth agenda with positive and helpful approach.
  • Respond to appeals and queries with empathy and professionalism.

Essential Requirements:

Skills & Experience:

  • Be customer centric with strong attention to detail and delivering quality outputs.
  • Be Agile and be solution oriented - Support the individual team, and Snr management in Change Management and delivery of Team Objectives.
  • Excellent analytical and decision making skills with a proven ability to exercise a lending discretion.
  • Excellent communication and interpersonal skills and an ability to work well as part of a successful team.
  • Ability to work well under pressure to meet strict deadlines.
  • Energy, flexibility and total commitment to achieving the units overall objectives, with a willingness to contribute to special projects as required.
  • Excellent problem handling and resolution skills.


  • Leaving certificate - minimum of 5 passes (grade D or above) at Ordinary Level, which must includeEnglish and Maths, or equivalent or superseding qualification

Desirable Requirements:

  • Previous Consumer Lending experience.
  • An understanding of the Bank`s lending products and credit frameworks.
  • Knowledge of the relevant Business Lending Codes & Consumer Lending Codes.

Where Agency assistance is required Bank of Ireland Recruitment Team will engage directly with suppliers. Unsolicited CVs / profiles will not be accepted for this role.

Bank of Ireland Group is an equal opportunities employer and is committed to fostering an inclusive workplace which values and benefits from the diversity of our workforce.

Closing date: Jul 25, 2018
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