Credit Specialist| AU Client
1 week ago
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.
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