Australian Mortgage Underwriter

Credit Manager

We are seeking a seasoned Credit Manager to join our team. The ideal candidate will be responsible for assessing home loan applications in line with Australian credit policies, ensuring high-quality credit decisions, and working collaboratively with stakeholders across geographies.

Key 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.
• Mentor and guide junior underwriters, and support process improvements.
• Prepare daily/weekly reports on pipeline, SLAs, and quality metrics.

Requirements:

Essential Skills and Qualifications:

• 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:

Desirable Skills and Qualifications:

• 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 (AU).
• Familiarity with verification tools and fraud checks used in the Australian mortgage ecosystem.