Finance jobs in United States

Location: Office based at 250 Union Street, Aberdeen

Reports To: CEO

Direct reports: Have staff 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 onboarding 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