Credit Underwriter (Mortgage Lending)

About the Company:

A long-established, ASX-listed non-bank lender with a diversified loan book across residential mortgages and asset finance..

Role Overview:

As a Credit Underwriter, you'll assess new mortgage applications and variations, making decisions within your delegated authority and ensuring all assessments align with internal policy, guidelines and risk appetite. The role sits within the Specialist Lending team and works closely with Credit, Product, Lending, Sales and Third-Party Distribution.

Key Responsibilities:

• Assess and decision mortgage applications within delegated credit authority
• Recommend approval (with mitigants/conditions) for applications outside authority
• Apply policy, identify risks and ensure full compliance with regulatory requirements
• Maintain strong turnaround times aligned to KPIs and service standards
• Build strong relationships with third-party Mortgage Managers, Introducers and BDMs
• Respond to third-party queries promptly and professionally
• Provide feedback on policy and product improvements
• Support education of internal teams and originators on products and processes

What They're Looking For:
Experience & Knowledge (Must Have)

• 2+ years' mortgage credit underwriting experience
• Held a DLA of at least $1.5m
• Strong understanding of consumer mortgage lending and third-party channels
• Good understanding of banking and finance law

Attributes

• High accuracy and attention to detail with balanced commercial judgement
• Able to manage volume and service expectations under pressure
• Strong communication, negotiation and stakeholder management skills
• Customer-focused, professional, self-driven and collaborative
• High integrity and resilience

Qualifications

• Cert IV in Mortgage Broking (or willingness to obtain)
• Diploma of Finance & Mortgage Broking (preferred)

Top Benefits:

1. Established ASX-listed lender with a large, stable loan book

2. Strong internal mobility and development pathways

3. Modern systems, strong processes and supportive credit framework

Reference Number: 06800-0013339634

This is a hybrid position

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