Credit Officer (008-01119)

Credit Assessment & Decision Making

• →Evaluate residential and commercial mortgage applications by assessing borrowers' creditworthiness and financial position.
• →Analyse financial statements, credit reports, supporting documentation, and other relevant information to determine lending risk.
• →Make informed and timely credit decisions based on thorough analysis and established lending guidelines.
• →Prepare comprehensive credit assessments and present lending recommendations for approval or decline.
• →Implement effective risk management strategies to minimise potential credit exposure.

Pipeline & Stakeholder Management

• →Take full ownership of loan applications from submission through to formal approval.
• →Manage a high-volume pipeline while ensuring service level agreements (SLAs) and turnaround times are consistently achieved.
• →Monitor application progress and proactively follow up to ensure efficient movement throughout the lending process.
• →Maintain regular communication with introducing brokers to ensure all required documentation and information are received promptly.
• →Liaise daily with brokers, loan officers, clients, and internal stakeholders via phone and email to provide updates, clarify application requirements, and facilitate lending decisions.
• →Build strong working relationships with brokers and internal stakeholders to support a seamless lending experience.
• →Provide guidance and support to team members on credit-related matters when required.

Compliance & Documentation

• →Ensure all loan documentation is complete, accurate, and compliant with internal policies, regulatory requirements, and Australian lending standards.
• →Prepare and maintain accurate, comprehensive credit assessments for every application.
• →Stay up to date with changes to regulatory requirements within the Australian non-bank lending sector.
• →Communicate professionally with internal and external stakeholders while maintaining the integrity of credit processes and delivering a positive customer experience.
• →Undertake other duties aligned with skills, qualifications, and experience as required.

• Minimum 2 years of regulated mortgage underwriting experience across Australian residential and commercial mortgages.
• Strong understanding of financial analysis, credit risk assessment, lending principles, and Australian mortgage underwriting processes.

• Strong analytical, problem-solving, and decision-making skills with the ability to exercise sound judgement when assessing credit risk.
• Excellent attention to detail and commitment to maintaining the highest standards of compliance and documentation.
• Proven ability to independently manage multiple loan applications while consistently meeting service level agreements and turnaround times.
• Excellent verbal and written communication skills, with the ability to confidently liaise with brokers, clients, loan officers, and internal stakeholders.
• Ability to build strong professional relationships while communicating lending decisions clearly and diplomatically.
• Strong organisational and time management skills with the ability to prioritise competing deadlines.
• Self-motivated, self-sufficient, and able to work autonomously in a fast-paced environment.
• Proactive, solutions-focused, and committed to delivering outstanding customer service.
• High level of professionalism, ownership, integrity, and accountability.

• Experience supporting or mentoring junior team members on credit-related matters.
• Demonstrated adaptability and the ability to quickly learn new lending processes, systems, and regulatory changes.
• Positive "can-do" attitude with a willingness to support additional business requirements when needed.

This is a remote role that will be set up as an independent contractor engagement.

To ensure alignment and transparency, successful candidates will be expected to:

• Disclose any existing ongoing roles or client work
• Reflect this engagement on their LinkedIn profile (clearly marked as “Independent Contractor”)