Your key priorities and responsibilities include and not limited to: 

• Meet or exceed quality assurance standards
• Underwriting of home/mortgage Loan Credit Assessment - high level of judgement, in assessing applicant’s credit worthiness.
• Loan Construction and investigation
• Apply lending/credit policy, product and Mortgage Insurance guidelines, and a high level of judgement, in assessing applicant’s credit worthiness. Adhere to Group/Australian Credit Policy and Code of Banking Practice with the objective of maximizing revenue and minimizing risk
• Research customer requests by gathering all relevant information/data, ensuring all available avenues and sources of information are investigated
• Ensure all research and investigation is accurately recorded including supporting evidence and documentation.
• External stake holder communication via calls, emails and chat
• Exercise thorough credit worthiness assessment and sound decision-making
• Change management and delivery of desired strategic outcome.
• Ensure the process is followed to meet audit and risk compliance
• Achieves progression to appropriate skill levels within agreed timeframes
• Build and collaborate with colleagues to enable objectives to be met
• Prior experience of 1year on the above

Personal Attributes/Competencies:

• Adaptability – Prerequisite
• Customer Focus – Prerequisite
• Communication - Demonstrated Competence
• Drive to Achieve - Prerequisite
• Creative Problem solving - Demonstrated Competence
• Teamwork & Collaboration – Demonstrated Competence
• Integrity/Trustworthiness - Demonstrated Competence.
• Willingness to work shifts as necessary.
• Judgment and Decision Making - Demonstrated Competence
• Achievement - Demonstrated Competence

Functional Skills for Credit assessment.

• Knowledge on self-employed & Business self-employed checks
• Analyze financial data related to loan requests.
• Perform risk assessments on potential loan recipients based on credit rating, borrowing history, and other specific risk factors.
• Record loan denials and specific basis for declining application.
• Monitor and report non-compliance with loan covenants.
• Assist with technical/core underwriting issues and questions.
• Review loan documentation and vendor reports to identify signs of fraudulent activity.
• Adapting underwriting policies and procedures.
• Appraisal report, Assets verification, Identification of large deposit, Purchase contract
• Hazard Insurance, Flood insurance if applicable, Title report, Tax certificate, Tax transcript.
• Hands on experience of balance sheet, profit & loss statements, Income tax returns.
• Hands on experience on Income, Expense, Liabilities check, social security income
• Strong focus on quality and commercial acumen
• Decisive, commercially prudent, effectively decision risk and reward
• Excellent domain knowledge in Mortgage underwriting/end to end mortgage life cycle/ any one or two Banking domain
• Evaluate loan documents to ensure accuracy and completeness.