Credit Assurance & Verifications Specialist – Commercial and Residential Lending
Thinktank is one of Australia’s largest and fastest growing Residential and Commercial Property Non-bank Lender with a multi-office presence across Australia.
As an innovative, knowledgeable and established financial services provider with a reputation for professionalism and integrity, Thinktank focuses on building quality internal and external stakeholder relationships in support of our wide range of borrowers and investors.
Role overview
The Credit Assurance & Verifications specialist supports the Senior Manager and GM Credit Risk to maintain high credit & lodgement quality, and compliance with regulatory requirements across Residential & Commercial Mortgage portfolios. This will be done by monthly hindsight reviews, collaborating with IT to ensure any changes to credit processing is within approved guidelines, targeted segment deep dives where warranted, & assisting other departments in information preparation for external audits.
Key Accountabilities
- Review a sample of files originated each month in each new business warehouse to a defined set of metrics.
- Identify opportunities and weaknesses in credit policy and processes through the periodic reviews, ensuring alignment with responsible lending obligations (RG 209), anti-money laundering (AML/CTF), and privacy requirements.
- Address adverse lodgement quality and performance trends by recommending improvements in credit risk assessment, affordability verification, and loan suitability assessments to the Senior Manager & GM Credit Risk
- Work with the Senior Manager & Heads of Credit to define solutions (including team member training, system and process changes) to support the maintenance of both a high lodgement quality and acceptable credit quality that is aligned to Thinktanks Credit Guidelines.
- Support the preparation of files to allow Thinktank’s funders, external auditors & other external counterparties to complete their own periodic reviews.
About you
- 3+ years’ experience in credit underwriting for Residential or Commercial Mortgages
- 1-2 year of experience in a Credit/Quality assurance role within Residential or Commercial Mortgages
- Well-developed relationship management and communication skills. This includes a proven ability to work with Credit underwriters and leaders to support the identification, constructive challenge and alignment on review findings
- Analytical skills and high degree of numeracy
Why Thinktank?
We are a little bit different at Thinktank. No bureaucratic processes, politics or egos. Fairness and transparency are our most important values, it’s how we do business and how we look after our team. You will be valued and trusted. You will work with welcoming and knowledgeable colleagues who will help you succeed.
We work a hybrid model of working from home and the office which encourages and supports great work life balance. We offer meaningful employee benefits such as Flex leave in addition to annual leave, a work well allowance and more.
If you are interested in having a confidential conversation, please apply now for an immediate review of your resume or contact Heena Geronimo, People & Culture Manager on hgeronimo@thinktank.net.au
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