Join Our Team!

Role: Loans and Membership Manager

Location: Office based at 250 Union Street, Aberdeen
Reports To: CEO

Direct reports: There are staffs reporting to this role
Organisation: Grampian Credit Union
Employment Type: Full-Time
Salary: £25,755.84 per annum
Closing Date: 31 May 2025

Job Purpose

The Loans & Membership Manager plays a key role in supporting the financial well-being of our members by on boarding members and assessing and processing loan applications in a fair, responsible, and member-focused manner. Working within the regulatory framework of the UK credit union sector, the Loans & Membership Manager ensures that all lending decisions align with both our internal policies and external compliance requirements.

Key Responsibilities

Loan Assessment and Processing

• Conduct interviews with applicants to collect financial and personal information relevant to loan applications.
• Assess loan applications for affordability, creditworthiness, and compliance with lending policy.
• Recommend appropriate loan products to meet members’ needs and financial situations.
• Process loan applications accurately, ensuring complete documentation and regulatory compliance.

Member Service and Support

• Provide exceptional service to members, offering clear information on loan, interest rates, and repayments.
• Build strong member relationships by delivering financial guidance in a respectful, supportive and confidential manner.
• Promote responsible borrowing and financial inclusion for all members, including those with limited credit history.
• On board new members as required

Risk Management and Compliance

• Conduct loan underwriting and make lending decisions within authorised limits / delegated authority
• Ensure full adherence to UK regulatory requirements, including the FCA & PRA rules, and GDPR.
• Maintain accurate records and support internal and external audits as required.

Loan Monitoring and Collections

• Monitor active loans and support early intervention where necessary.
• Liaise with credit control to manage arrears professionally and ethically.
• Assist in the preparation of loan performance reports and analysis for management review.

Member Education and Product Promotion

• Educate members on credit union services, promoting financial literacy and product awareness to enhance their understanding.
• Identify opportunities to offer relevant products such as savings accounts, budgeting support and signposting to other agencies.
• Promote loan products as necessary

Essential Skills and Qualifications

• Previous experience in financial services, preferably in a lending or customer service role.
• Knowledge of UK credit and lending regulations, including FCA and GDPR requirements.
• Strong interpersonal skills with the ability to communicate clearly and compassionately.
• Attention to detail and excellent organisational skills.
• Proficiency with office and financial software (e.g., MS Office, loan management systems).

Desirable

• Experience working within a credit union or community-based financial organisation.
• Understanding of financial inclusion and support for vulnerable customers.
• Credit or finance-related qualifications

Why Join Us?

We are a values-driven credit union committed to improving the financial well-being of our members. As part of our team, you’ll contribute to ethical finance, community support, and personal development in a meaningful way.

Interview Date: TBC. Successful applications will be contacted the week of 09 June 2025

Please apply by sending a CV and cover letter detailing how you meet the requirements of the role and why you would like to work with us.

Applications can be sent by email (with the heading ‘Confidential – Job Application’) to admin@grampiancreditunion.co.uk

Job offers and mandatory checks

Our selection processes comply with our legal obligations and best practice.

This job description serves to illustrate the scope and responsibilities of the role and is not intended to be an exhaustive list of duties. You will be expected to perform other job-related tasks requested by management and as necessitated by the development of this role and the development of the business

For more information about us, checkout our website www.grampiancreditunion.co.uk