
Senior Credit Risk Analyst
24 hours ago
The ideal candidate will be responsible for evaluating the creditworthiness of loan applicants to ensure compliance with bank policies and regulatory requirements.
This involves reviewing loan applications, assessing documentation accuracy, verifying lending criteria, and identifying any discrepancies.
Responsibilities include analyzing customer financial positions, employment history, credit history, and ability to repay, understanding and applying the 4Cs of Credit effectively, ensuring compliance with regulatory and company guidelines, assessing credit risk and determining loan approval/decline decisions, applying lending/credit policy, mortgage insurance guidelines, and risk assessment principles.
Core responsibilities include:
- Loan Application Assessment
- Creditworthiness Evaluation
- Income Verification
- Risk Analysis
- Property Valuation Review
- Reviewing Loan-to-Value Ratio (LVR)
- Approval or Declination of Loans
- Fraud Detection
Required skills and qualifications include knowledge of Responsible Lending Obligations, understanding of APRA and ASIC regulations, strong analytical and financial assessment skills, excellent attention to detail and time management, effective communication & stakeholder management skills, experience with lending policies & procedures, experience with KYC process, education: Bachelor's or Master's degree in any field, experience: 2+ years in Mortgage Underwriting and Quality in Australian, USA, or UK mortgage domains, must-have: Strong understanding of Australian, US, or UK lending regulations, added advantage: Candidates with strong communication experience with onshore clients will have an edge.
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