Job Description

Role & responsibilities 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 applicants 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. Preferred candidate profile : Immediate joiners or with notice period of 30 days