Date:   May 2025

Location in Ireland:   Greater Dublin Area

The Role:   CRE Lending Manager, reporting to the Head of CRE

Employment Type:   Full Time Permanent

Company Industry:   Financial Services – Buy To Let - Commercial Real Estate

Company Description:   First Citizen Finance is a leading alternative lender in the Irish market, specialising in commercial real estate financing. We provide tailored lending solutions to property investors and developers, offering flexible funding structures to meet market demands. As we continue to expand, we are seeking a dynamic and experienced Commercial Real Estate Lending Manager to join our team.

Job Description:   The Commercial Real Estate Lending Manager will be responsible for originating new lending opportunities, underwriting loans, and analysing financials to support commercial real estate transactions. The ideal candidate will have a strong background in real estate finance, a keen understanding of market dynamics, and the ability to structure deals that align with the company’s risk and return objectives.

Key Responsibilities: 

1. Business Development & Deal Origination

• Identify and cultivate new lending opportunities within the commercial real estate sector.
• Build and maintain strong relationships with property developers, investors, brokers, and other industry stakeholders.
• Assess borrower requirements and structure appropriate lending solutions.

2. Credit Analysis & Underwriting

• Conduct in-depth financial analysis, including cash flow modelling, feasibility studies, and risk assessment.
• Perform detailed due diligence on borrowers, projects, and market conditions.
• Prepare and present credit applications and recommendations to internal credit committees.
• Ensure compliance with internal credit policies and regulatory requirements.

3. Loan Structuring & Execution

• Structure and negotiate loan terms, ensuring alignment with business objectives and risk appetite.
• Work closely with legal and compliance teams to manage loan documentation and execution.
• Oversee loan drawdowns and monitor loan performance post-origination.

4. Market & Portfolio Analysis

• Stay up to date with market trends, property values, and lending competition.
• Monitor portfolio performance and assist in risk management strategies.
• Contribute to strategic discussions on market positioning and growth opportunities.

Key Requirements / Skills:

• 3-5 years’ experience in commercial real estate lending, credit underwriting, or a similar role within an alternative lender, bank, or financial institution.
• Strong understanding of real estate finance, credit risk assessment, and structured lending.
• Proven ability to originate, structure, and execute commercial real estate loans.
• Experience in financial modelling, cash flow analysis, and loan underwriting.
• Strong negotiation skills and the ability to manage relationships with key stakeholders.
• Excellent communication and presentation skills.
• Ability to work independently while contributing to a high-performing team.

Qualifications:

• Bachelor’s degree in Finance, Commerce, Property, or a related field would be desirable.
• QFA or APA certification required.

What We Offer:

• Competitive salary and performance-based bonus.
• Exposure to high-value commercial real estate transactions.
• A collaborative and dynamic work environment within a growing alternative lender.
• Opportunities for career progression and professional development.

Closing Date for Applications: Friday, 16th May 2025

To find out more about this opportunity, please contact the Human Resource Manager, First Citizen Finance, Gloucester Square, D 1.

Email: hr@firstcitizen.ie 

Any applicant applying for this position must familiarise themselves with our data protection policies prior to submitting any personal data to us. Full information on our data protection policies and how we use your data can be found in our privacy policy located at www.firstcitizen.ie/privacy-po...

Download job description in PDF format HERE. 

Date:   May 2025

Location in Ireland:   Dublin

The Role:   Credit Analyst

Employment Type:   Full Time Permanent

Company Industry:   Financial Services – Buy To Let - Commercial Real Estate

Company Description:   First Citizen Finance (“First Citizen”) is a leading alternative lender in the Irish commercial real estate market, providing tailored financing solutions to property investors and developers. As we continue to grow, we are seeking a Credit Analyst to join our team and support our lending activities through in-depth financial analysis, credit risk assessment, and loan execution.

Job Description:   The Credit Analyst will play a key role in the underwriting and execution of commercial real estate loans. The successful candidate will be responsible for preparing detailed credit applications, analysing financial statements and cash flows, and managing loan drawdowns. This role offers an excellent opportunity to gain exposure to real estate finance and contribute to the success of a dynamic alternative lender.

 Key Responsibilities:                      

1. Credit Analysis & Underwriting

• Prepare detailed credit applications, including financial and market analysis, to support lending decisions.
• Analyse borrower financials, cash flows, and property valuations to assess creditworthiness.
• Conduct risk analysis and provide recommendations on loan structures.
• Assist in stress testing and sensitivity analysis of real estate projects.

 2. Loan Structuring & Execution

• Work with the lending team to structure commercial real estate loans.
• Support the due diligence process, ensuring all necessary documentation and reports are completed.
• Collaborate with legal, credit, compliance, and operations teams to facilitate loan drawdowns.
• Monitor key conditions precedent and post-completion covenants.

3. Portfolio & Market Analysis

• Track and report on loan portfolio performance.
• Keep up to date with market trends, property values, and economic factors impacting lending decisions.
• Assist in refining credit policies and risk management strategies.

Key Requirements:

• 2-3 years’ experience in a credit analyst, underwriting, or similar role within a commercial real estate lender, bank, or financial institution.
• Strong understanding of real estate finance, credit risk assessment, and cash flow analysis.
• Familiarity with the Irish property market, including key trends, lenders, and valuations.
• Ability to interpret financial statements, loan agreements, and property appraisals.
• Strong analytical skills with attention to detail.
• Excellent written and verbal communication skills.

 Qualifications:

• Bachelor’s degree in Finance, Commerce, Property, or a related field would be desirable.
• APA (Accredited Product Adviser) qualification required; QFA qualification is an advantage.

 What We Offer:

• Competitive salary and benefits package.
• Hands-on experience in commercial real estate finance.
• A dynamic and supportive team environment.
• Career progression opportunities within a growing alternative lender.

 Closing Date for Applications:      Friday, 16^th May 2025

To find out more about this opportunity, please contact the Human Resource Manager, First Citizen Finance, Gloucester Square, D 1.    

Email: hr@firstcitizen.ie

 Any applicant applying for this position must familiarise themselves with our data protection policies prior to submitting any personal data to us. Full information on our data protection policies and how we use your data can be found in our privacy policy located at www.firstcitizen.ie/privacy-policy.php

Download job description in PDF format HERE. 

Date:   May 2025

Location in Ireland:   Dublin

The Role:   Senior Portfolio Manager, reporting to the Head of CRE

Employment Type:   Full Time Permanent

Company Industry:   Financial Services – Buy To Let - Commercial Real Estate

Company Description:   First Citizen Finance (“First Citizen”) is a leading alternative lender in the Irish commercial real estate market, providing tailored financing solutions to property investors and developers. As we continue to grow, we are seeking a Senior Portfolio Manager to join our team and support our lending activities through in-depth financial analysis, credit risk assessment, and loan execution.

Job Description:   The Senior Portfolio Manager will play a pivotal role in the ongoing management of a substantial loan book within a leading commercial real estate alternative lending institution in the Irish market. This role demands a proactive individual with a strong background in portfolio management, financial analysis, and stakeholder engagement.

Key Responsibilities:                      

1. Management of Loan Portfolio

• Oversee a diverse portfolio of commercial real estate loans, ensuring optimal performance and risk management.
• Conduct regular reviews of loan performance, identifying potential issues and implementing corrective actions as necessary.

2. Onboarding New Loans

• Lead the due diligence and onboarding process for new loans, ensuring compliance with internal policies and regulatory requirements.
• Collaborate with legal, credit, and risk teams to assess loan documentation and borrower creditworthiness.

3. Drawdown Management

• Coordinate and manage the drawdown processes for new loans, ensuring timely disbursement of funds and adherence to procedures and loan agreements.
• Monitor and track the usage of drawn funds, providing guidance to borrowers on fund management.

 4. Stakeholder Reporting

• Prepare and present comprehensive reports to key stakeholders, including senior management and investors, detailing portfolio performance, risk assessments, and market trends.
• Ensure transparent communication regarding portfolio status and potential challenges.

5. Periodic Audits

• Manage and facilitate periodic audits of the loan portfolio, liaising with internal and external auditors to ensure accuracy and compliance.
• Address audit findings and implement recommendations for process improvements.

 6. Market Analysis

• Stay abreast of market trends and economic indicators affecting the commercial real estate sector, utilising this information to inform portfolio strategy.
• Conduct competitor analysis to identify potential opportunities and threats in the lending landscape.

 Key Requirements / Skills:

• Minimum of 5 years of experience in portfolio management within commercial real estate lending or a related financial services environment.
• Demonstrated experience in managing large loan books and complex financial transactions.
• Strong analytical and financial modelling skills, with the ability to assess credit risk and portfolio performance indicators.
• Excellent communication and presentation skills to effectively engage with key stakeholders.

 Qualifications:

• Bachelor’s degree in Finance, Property, Commerce, or a related field would be desirable
• QFA or APA certification required.

 What We Offer:

• Competitive salary and benefits package.
• Hands-on experience in commercial real estate finance.
• A dynamic and supportive team environment.
• Career progression opportunities within a growing alternative lender.

 Closing Date for Applications:      Friday, 16^th May 2025

 To find out more about this opportunity, please contact the Human Resource Manager, First Citizen Finance, Gloucester Square, D 1.    

 Email: hr@firstcitizen.ie

 Any applicant applying for this position must familiarise themselves with our data protection policies prior to submitting any personal data to us. Full information on our data protection policies and how we use your data can be found in our privacy policy located at www.firstcitizen.ie/privacy-policy.php

Download job description in PDF format HERE. 

Date Published:   January 2025

Location:   Bloom House, Gloucester Square, Dublin 1

The Role:      Customer Service Agent

Seniority Level:   Entry Level

Job Function Keywords:    Building and maintaining customer relationships

Employment Type:   Full Time, Permanent & Pensionable

Company Industry:  Financial Services

Company Description:    First Citizen Finance (“First Citizen”) is a leading provider of Retail Financial Services in Ireland, based in Dublin with nationwide coverage. First Citizen specialises in full life cycle loan origination and servicing to some of Ireland’s and Europe’s largest financial institutions.

Job Description:   As a Customer Service Agent within our Collections Team, the ideal candidate will be required to build and maintain customer relationships

Responsibilities:    These include –

• Handling high-volume inbound and outbound calls to customers
• Negotiating repayment of arrears on Loan Agreements
• Managing a portfolio of customers and building relationships
• Assessing customer’s current financial circumstances
• Handling general Customer Service queries – by phone and electronically

Job Skills & Requirements:   The ideal candidate will possess the following skills and knowledge –

• Previous customer service experience desirable but not essential
• Strong communication and interpersonal skills
• Good phone manner
• Ability to work independently as well as part of a team

Training & Development:   This will include –

• Comprehensive training will be provided
• Membership of Institute of Banking is required and will be provided by the company

A competitive remuneration and benefits package will be offered to the successful candidate. Please contact the Human Resource Manager, First Citizen Finance, Gloucester Square, Dublin 1.

Email: hr@firstcitizen.ie

Any applicant applying for this position must familiarise themselves with our data protection policies prior to submitting any personal data to us. Full information on our data protection policies and how we use your data can be found in our privacy policy located at www.firstcitizen.ie/privacy-policy.php

Download job description in PDF format HERE. 

Apply now directly via LinkedIn HERE.

Date Published:   May 2024

Location:   Bloom House, Gloucester Square, Dublin 1

The Role:      IT Manager, reporting to the Head of IT

Employment Type:   Full Time & Permanent

Company Industry: Financial Services – Asset Finance

Company Description:   First Citizen Finance is an independent finance company operating in the Auto, Agri, CRE and SME asset finance sectors within the Republic of Ireland. The company, which is headquartered in Dublin 1 and employs c. 90 staff, continues to grow and expand into new market segments. The business has recently completed the fourth public securitisation of its Auto loan portfolio.

Job Description: Reporting to, and working closely with the Head of IT, the successful candidate will support the management of the day-to-day activities of the IT Department. Strategic planning, fostering innovation, project management, and organising and negotiating the allocation of resources will form part of the job description. The successful candidate will also serve as an escalation for management, staff and the IT team.

Helpdesk & Operations:   Day-to-day Helpdesk & Operations Management:

• Ticket assignment and prioritisation
• Management and expansion of best practice services including change and problem management, asset control, and hardware lifecycle policies
• Ticket monitoring, implementation of SLA’s, reporting on volumes / metrics / trends
• IT hardware management / asset control – monitor stock, approve requests
• Procedure documentation
• Team development – mentoring and training

Additional Duties:     These will include:

• Responsibility for the support and development of a rapidly evolving IT system
• Ensuring critical system availability
• Responsibility for a team of developers and Sys Admins
• Project management
• Vendor and licensing management
• Responsibility for the identification, development and implementation of new technologies and systems
• Maintenance and testing of both DR and BCP plans
• IT budget management
• Internal and external audit management

Experience Required:   The following experience is required:

• Degree in Information Technology / related field or proven management experience
• Industry certifications are beneficial (e.g. ITIL, CISM, CompTIA, Microsoft)
• Excellent communication and people management skills
• Ability to motivate others
• Problem-solving skills and thinking laterally as part of a team, or individually
• Highly organised and able to multitask and handle pressure and work on own initiative
• Customer-focussed (internal and external)
• Experience in the Finance Industry beneficial

Technical Skills:   The following technical skills are required:

• This is a hand-on role that requires a high level of technical knowledge
• Proficiency in the Microsoft product line, particularly Office 365, Windows Server and Desktop OS, Azure and Active Directory
• Experience in Citrix Xen App, Workspace, DaaS
• Strong knowledge of VMWare, VCenter, and VM Management
• Familiarity with cybersecurity best practice
• Experience in back-up management is beneficial

A competitive remuneration and benefits package will be offered to the successful candidate. Please contact the Human Resource Manager, First Citizen Finance, Gloucester Square, Dublin 1.

Email: hr@firstcitizen.ie

Any applicant applying for this position must familiarise themselves with our data protection policies prior to submitting any personal data to us. Full information on our data protection policies and how we use your data can be found in our privacy policy located at www.firstcitizen.ie/privacy-policy.php

Download job description in PDF format HERE.