Job description

REQUIREMENTS:

• Understanding of risk assessment required to complete secured residential underwriting.
• Knowledge of local regulations and compliance – APRA, ASIC, AML, KYC guidelines
• Mortgage/Lending underwriting experience; understanding property valuation, credit reporting and lending criteria
• Ability to interpret financial statements, credit reports and self-employed income types.
• Minimum 2-5 years underwriting experience within Australian market with specific self-employed/construction underwriting experience required.
  Preference will be given to candidates who hold Australian PR/Citizenship or New Zealand Citizenship, or who can demonstrate current unrestricted work rights in Australia without limitations.
  We value different perspectives, we succeed together, collaborating across boundaries, we take responsibility, holding ourselves accountable to get things done. Through these values, HSBC is committed to building a culture where all employees are appreciated and respected and where opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow in an inclusive environment. Applications from First Nations peoples are encouraged.
  Learn more about careers at HSBC Australia – https://www.hsbc.com/careers/where-we-hire/australia
  Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website. Issued by HSBC Bank Australia Limited. Please note that HSBC will we never communicate to applicants via non HSBC channels such as SMS, WhatsApp or Facebook so please be careful if anyone attempts to contact you via these channels.

• Analyse, verify and decision residential loan proposals.
• Exercise a high degree of commercial acumen, whilst ensuring all submissions satisfy the Bank’s policies & legislative guidelines.
• Build and maintain value based, constructive working relationships with key internal and external customers.
• Provide a reference point for WPB distribution channel staff to direct enquires relating to lending and assist with their training, coaching and development.
• Assist in providing ongoing training, guidance and support to WPB Distribution Channel staff, including visits to Branches.
• Ensure that all Audit and Compliance related issues are complied with and that all relevant reports are actioned in a timely manner.
• Ensure timely and efficient processing of all credit related applications.
• Preparation of files and registers for various visits by auditors, regulators etc.
• Management and/or participation in a variety of related projects emerging from time to time.
• Satisfactory monthly Quality Assurance results.
  Requirements