Mortgage Lending Unit- Risk Analyst, Dublin / Galway / Hybrid

Date: 25 May 2023

Location: Dublin / Galway, IE

Company: Allied Irish Bank

Role Title:  Risk Analyst- Mortgage Lending Unit


Location: Dublin / Galway / Hybrid



This role is being offered on a permanent basis.



About the Role:


The Mortgage Lending Unit (MLU) is an independent, Second Line of Defence function that review and challenge new money credit applications for all business areas including AIB Homes, EBS and Haven. Our aim is to deliver a professional lending service to the Homes Business Teams and ultimately our customers whilst embedding a credit culture that is resilient.


The successful candidate (s) will work with a team of highly skilled credit professionals, as a robust second line of defence function, active in day-to-day credit underwriting.



Key Responsibilities Include:


  • Analysing credit and risk implications of credit proposals and making well-informed lending decisions/recommendations.
  • Provide a professional lending service while applying appropriate and effective credit governance and standards.
  • Ensure timely turnaround of assessment, including demonstrating strong productivity in line with the team Service Level Agreements, processes, and procedures.
  • Establish and maintain direct relationships with key stakeholders in business areas on lending propositions to provide structured, consistent, and tailored review and challenge of proposed lending applications.
  • Demonstrate strong customer service and compliance with all lending policies and guidelines.



What you will bring:


  • Proven high level of Credit Skills with good commercial awareness, including an ability to interpret and challenge. Ability to provide robust Second Line review and challenge and maintain resilience in a dynamic and fluid Credit environment.
  • Evidence of high standards of professionalism in relation to Credit Underwriting/ Management and compliance with all legislation, regulation, policy, and standards.
  • Solution focused with strong interpersonal and negotiating skills and evidence of an ability to interact, engage and influence.
  • Ability to interpret and understand complex credit cases to be able to provide informed advice and/or approval in relation to credit decisions.
  • Demonstrated ability to adapt to change with commitment to streamlining current processes through use of technology and automation



Life at AIB


At AIB, we have a clear purpose - to back our customers to achieve their dreams and ambitions. We want to be at the heart of our customers’ financial lives by giving them an exceptional experience. That goes for our employees too.

We are building a culture that breaks the conventions of what our customer and employees expect of a bank.


We are committed to offering our colleagues choice and flexibility in how we work and live.  Our hybrid working model enables our people to balance their time between working from home and their designated office, subject to their role, the needs of our customers and business requirements.  More details on our hybrid working arrangements and expected office attendance for your role will be provided to you during the recruitment process.


AIB is an equal opportunities employer, and we pride ourselves on being the first bank in Ireland to receive the Investors in Diversity Gold Standard for Diversity and Inclusion. We work to ensure that AIB is a place where diversity is welcome, everyone can thrive, and inclusion is a universal experience.  Our working environment is one in which talented individuals of all backgrounds can realise their full potential, enjoying rewarding careers in the service of our customers.


If you feel you have what it takes, click apply and fill in the online application form. If you would like more information or have any special requirements or needs that would support, you during the recruitment process then please contact the Talent Acquisition Team at



By when?  Closing date is 25th June 2023



Unsolicited CV’s sent to AIB by Recruitment Agencies will not be accepted for this position. AIB operates a direct sourcing model and where agency assistance is required, the Talent Acquisition team will engage directly with our recruitment partners.



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