Credit Specialist| AU Client

GRAB THESE PERKS WHEN YOU GET HIRED

• Competitive salary package
• 25 days of paid leave
• HMO coverage from Day 1
• Attendance bonuses and meal allowances
• Complimentary rice, drinks, and snacks
• A fun work environment with a focus on work-life balance
• Access to an entertainment and gaming area
• Monthly basketball and volleyball games
• Fun Fridays with games and more to unwind and bond with colleagues

KEY RESPONSIBILITIES

• Perform end-to-end assessment of loan applications in accordance with established credit policies and risk frameworks.
• Ensure all credit decisions are accurately documented and align with delegated authority levels.
• Review and process complex lending scenarios, including mortgage, personal loan, and refinancing requests.
• Identify opportunities to enhance lending procedures and support process improvements and automation initiatives.
• Provide clear, accurate, and timely support to internal stakeholders, brokers, and external partners.
• Consistently meet or exceed individual performance targets while supporting team KPIs and service level goals.
• Flexibly support team rostering requirements to ensure adequate coverage during peak periods and business hours.
• Develop a strong understanding of internal systems and processes to effectively respond to general and complex inquiries.
• Respond promptly and professionally to both internal and external queries, ensuring high service standards are maintained.
• Maintain accurate, up-to-date information in all systems to support real-time reporting and compliance.
• Uphold data integrity through careful entry, validation, and regular audits of lending and client information.
• Ensure adherence to relevant regulatory requirements, industry codes, and internal compliance obligations.
• Demonstrate commitment to company values and actively contribute to a compliant and ethical workplace.
• Build and maintain collaborative working relationships across departments to support continuous improvement.
• Take ownership of tasks and initiatives to support a high-performing, customer-focused credit team.

SKILLS, KNOWLEDGE & EXPERIENCE

• Demonstrates solid technical knowledge and consistently applies expertise to achieve quality outcomes.
• Actively seeks to stay informed of industry trends, system updates, and evolving best practices.
• Approaches challenges with a solution-focused mindset and a willingness to explore creative options.
• Maintains a strong customer-first attitude, consistently delivering timely and high-quality service.
• Takes ownership of tasks and is fully accountable for individual and team performance.
• Contributes positively to team discussions, projects, and shared goals with enthusiasm and reliability.
• Communicates clearly and professionally in both verbal and written formats, adapting to audience needs.
• Understands and promotes company values, services, and initiatives across internal and external networks.
• Embraces technology, demonstrating adaptability to new tools, systems, and digital processes.
• Uses critical thinking to assess complex situations and recommends appropriate, risk-aware solutions.
• Displays strong time management and prioritization skills, remaining calm and effective under pressure.
• Is flexible and open to change, quickly adjusting to shifting business needs and operational priorities.
• Demonstrates a proactive approach to learning and self-improvement within the scope of the role.
• Builds strong internal and external relationships to support collaboration and shared success.
• Upholds a professional, respectful, and constructive attitude in all work interactions.

PERSONAL ATTRIBUTES

• A minimum of 3-5 years recent experience in Australian residential mortgage loan assessment with an Australian based company is required, with individual approval delegations held.
• Excellent communication skills, both written and verbal
• Strong time management skills including the ability to cope and adjust readily to changes in the work environment.
• Ability to work well and seamlessly as part of high performing team.
• Really strong orientation to customer service - both externally and internally.
• Ability to multi-skill and learn quickly on the job.
• Ability to remain calm when working under pressure or to deadlines.
• Capacity to learn and execute multiple lending policies and processes and run simultaneously as required.
• Strong problem solving and analytical skills with the agility to analyse situations and use initiative.