
Loan Assessment Specialist
3 days ago
Credit Manager
DescriptionWe are seeking experienced credit professionals to assess home loan applications in line with Australian credit policies. The ideal candidate will be responsible for making high-quality credit decisions and working collaboratively with stakeholders.
Main Responsibilities:
- End-to-end assessment and decision-making of home loan/mortgage applications based on Australian credit policy and guidelines.
- Perform income verification, credit checks, property valuation reviews, and responsible lending assessments.
- Liaise with brokers, lenders, and internal teams for clarifications or documentation gaps.
- Provide timely and high-quality credit decisions while meeting SLA and compliance standards.
- Ensure adherence to NCCP (National Consumer Credit Protection Act), AML, and other regulatory requirements.
Requirements:
- Graduate/Postgraduate in Finance, Commerce, or a related field.
- Minimum 5 years of mortgage underwriting experience, with at least 2–3 years in the Australian home loan domain.
- Strong understanding of Australian credit policies, responsible lending guidelines, and loan origination systems.
- Exposure to multiple lenders is a plus.
- Excellent analytical, communication, and documentation skills.
- Ability to work in fast-paced environments and meet deadlines.
Preferred Skills:
- Certification in mortgage lending or credit assessment.
- Experience with income types including PAYG, self-employed, rental, foreign income.
- Sound knowledge of credit bureaus like Equifax.
Bonus Points: Familiarity with verification tools and fraud checks used in the Australian mortgage ecosystem.
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