
Senior Credit Underwriter
3 days ago
Job Title: Chief Credit Risk Officer
We are seeking an experienced and skilled credit professional to join our team as a Chief Credit Risk Officer. This is a critical role that requires strong analytical and decision-making skills, as well as the ability to work effectively in a fast-paced environment.
Key Responsibilities:- Assess home loan/mortgage applications based on Australian credit policies and guidelines.
- Verify income, perform credit checks, review property valuations, and conduct responsible lending assessments.
- Liaise with stakeholders for clarifications or documentation gaps.
- Provide timely, high-quality credit decisions while meeting SLA and compliance standards.
- Ensure adherence to NCCP, AML, and other regulatory requirements.
- Mentor junior underwriters, support process improvements.
- Prepare daily/weekly reports on pipeline, SLAs, and quality metrics.
- Graduate/Postgraduate in Finance, Commerce, or related field.
- Minimum 5 years mortgage underwriting experience, 2–3 years in 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.
- 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 Australian mortgage ecosystem.
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