Credit Officer

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Hunt St

WebsiteLinkedInAll Job Openings

1 - 10 employees

🎯 Recruiter

👥 HR Tech

🤝 B2B

Recruitment • HR Tech • B2B

Hunt St is an Australia-based recruiting firm founded by brothers Shaun and Eliot with the aim of helping small and medium-sized enterprises (SMEs) hire top offshore talent directly, avoiding the high costs associated with traditional outsourcing agencies. The company offers a unique one-time finder's fee model, enabling clients to save significantly on recruitment costs. They provide comprehensive services including job postings, candidate screenings, interviews, and legal support for compliant remote hiring. Hunt St specializes in sourcing talent from countries like the Philippines, Nepal, Indonesia, and India, offering a transparent and ethical hiring process that allows businesses to provide fairer compensation to employees while ensuring stringent security and compliance measures are met.

📋 Description

• Evaluate residential and commercial mortgage applications by assessing borrowers' creditworthiness and financial position. • Analyse financial statements, credit reports, supporting documentation, and other relevant information to determine lending risk. • Make informed and timely credit decisions based on thorough analysis and established lending guidelines. • Prepare comprehensive credit assessments and present lending recommendations for approval or decline. • Implement effective risk management strategies to minimise potential credit exposure. • Take full ownership of loan applications from submission through to formal approval. • Manage a high-volume pipeline while ensuring service level agreements (SLAs) and turnaround times are consistently achieved. • Monitor application progress and proactively follow up to ensure efficient movement throughout the lending process. • Maintain regular communication with introducing brokers to ensure all required documentation and information are received promptly. • Liaise daily with brokers, loan officers, clients, and internal stakeholders via phone and email to provide updates, clarify application requirements, and facilitate lending decisions. • Build strong working relationships with brokers and internal stakeholders to support a seamless lending experience. • Provide guidance and support to team members on credit-related matters when required. • Ensure all loan documentation is complete, accurate, and compliant with internal policies, regulatory requirements, and Australian lending standards. • Prepare and maintain accurate, comprehensive credit assessments for every application. • Stay up to date with changes to regulatory requirements within the Australian non-bank lending sector. • Communicate professionally with internal and external stakeholders while maintaining the integrity of credit processes and delivering a positive customer experience. • Undertake other duties aligned with skills, qualifications, and experience as required.

🎯 Requirements

• Minimum 2 years of regulated mortgage underwriting experience across Australian residential and commercial mortgages. • Strong understanding of financial analysis, credit risk assessment, lending principles, and Australian mortgage underwriting processes. • Strong analytical, problem-solving, and decision-making skills with the ability to exercise sound judgement when assessing credit risk. • Excellent attention to detail and commitment to maintaining the highest standards of compliance and documentation. • Proven ability to independently manage multiple loan applications while consistently meeting service level agreements and turnaround times. • Excellent verbal and written communication skills, with the ability to confidently liaise with brokers, clients, loan officers, and internal stakeholders. • Ability to build strong professional relationships while communicating lending decisions clearly and diplomatically. • Strong organisational and time management skills with the ability to prioritise competing deadlines. • Self-motivated, self-sufficient, and able to work autonomously in a fast-paced environment. • Proactive, solutions-focused, and committed to delivering outstanding customer service. • High level of professionalism, ownership, integrity, and accountability. • Experience supporting or mentoring junior team members on credit-related matters. • Demonstrated adaptability and the ability to quickly learn new lending processes, systems, and regulatory changes. • Positive "can-do" attitude with a willingness to support additional business requirements when needed.