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Business Development Finance Specialist
3 weeks ago
Job Title: Credit Manager
We are seeking experienced professionals with a strong background in mortgage underwriting to assess home loan applications.
Key Responsibilities:
- Assess and decide on home loan/mortgage applications based on credit policy and guidelines.
- Perform income verification, credit checks, property valuation reviews, and responsible lending assessments.
- Liaise with stakeholders for clarifications or documentation gaps.
- Provide timely and high-quality credit decisions while meeting service level agreements and compliance standards.
- Ensure adherence to regulatory requirements and industry best practices.
- Mentor and guide junior team members, and support process improvements.
- Prepare reports on pipeline, service level agreements, and quality metrics.
Requirements:
- Graduate/Postgraduate degree 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 (AU).
- Familiarity with verification tools and fraud checks used in the Australian mortgage ecosystem.