Meet or exceed quality assurance standardsUnderwriting of home/mortgage Loan Credit Assessment - high level of judgement, in assessing applicants credit worthiness.Loan Construction and investigationApply 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 riskResearch customer requests by gathering all relevant information/data, ensuring all available avenues and sources of information are investigatedEnsure all research and investigation is accurately recorded including supporting evidence and documentation.External stake holder communication via calls, emails and chatExercise thorough credit worthiness assessment and sound decision-makingChange management and delivery of desired strategic outcome.Ensure the process is followed to meet audit and risk complianceAchieves progression to appropriate skill levels within agreed timeframesBuild and collaborate with colleagues to enable objectives to be metPrior experience of 1year on the abovePersonal Attributes/Competencies:Adaptability – PrerequisiteCustomer Focus – PrerequisiteCommunication - Demonstrated CompetenceDrive to Achieve - PrerequisiteCreative Problem solving - Demonstrated CompetenceTeamwork & Collaboration – Demonstrated CompetenceIntegrity/Trustworthiness - Demonstrated Competence.Willingness to work shifts as necessary.Judgment and Decision Making - Demonstrated CompetenceAchievement - Demonstrated CompetenceFunctional Skills for Credit assessment.Knowledge on self-employed & Business self-employed checksAnalyze 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 contractHazard 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 incomeStrong focus on quality and commercial acumenDecisive, commercially prudent, effectively decision risk and rewardExcellent domain knowledge in Mortgage underwriting/end to end mortgage life cycle/ any one or two Banking domainEvaluate loan documents to ensure accuracy and completeness.