Lending Specialist

Posted: 06/04/2023

Closing Date: 06/05/2023

Job Type: Permanent - Full Time

Location: Ballarat

Job Category: Banking and Financial Services

Do you want to be part of using the business of banking as a force for good? Do you want to create positive impact for people and the planet? Bank Australia is the bank for people who want to be part of a movement creating a fairer and more just world.

We’re growing fast as more people choose to align their banking with their values. We’re a customer owned, B Corp certified bank. We empower our staff and 185,000+ customers to be part of the clean money movement.

**Why join us**
- We have big plans to become Australia’s most trusted bank and a leading purpose-driven business.
- As a certified B Corp, we’re part of a global business community who meet the highest social and environmental standards, putting purpose over profit.
- Every role and person in our bank is essential to bringing our values, purpose and aspiration to life.
- We offer flexible working options, competitive salary and 12% super.
- Our staff have access to a range of meaningful benefits to support their physical and mental wellbeing including 24/7 free counselling, free flu vaccinations and discounted gym memberships.
- We also support staff with study assistance, paid parental leave (regardless of gender), volunteer, bereavement, gender affirmation and family violence leave; and the opportunity for bonus annual leave.
- We support our staff to grow their careers through learning and development and an organisational culture where we reward and recognise innovation and values, not long hours.
- We are committed to building an inclusive culture and a diverse workforce that reflects the Australian community.
- We are the first bank in the world to care for a conservation reserve - where we work with key partner organisations to protect threatened species and involve staff in conservation.

**What you will be doing**
- Provide customers with appropriate products and services that meets their needs
- Action requests for credit assessment tasks such as valuation requests, lenders mortgage insurance, first homeowner grants and security verification
- Assist to develop long-term mutually rewarding relationships between Bank Australia and its stakeholders, including customers, internal departments, and the banks broker network
- Remain abreast of legislation governing lending and impact on day-to-day loan processing
- Regularly review loan procedures and policy, recommend areas for improvement
- Process loan assessments for the TPD Lending Team (broker introduced lending) or internal branches/departments as well as assist with commercial loan assessments or reviews

**What you will bring**
- Experience assessing, recommending and processing loans
- Knowledge of, or the ability to quickly learn, lending policies and procedures
- Knowledge of lending legislation (e.g. National Credit Act and Privacy Act)
- Demonstrated ability to provide financial products to meet customer needs
- Excellent communication (verbal and written) and interpersonal skills
- Effective decision making skills and ability to investigate and follow up queries
- Ability to work independently as well as part of a team
- Ability to multitask and work under pressure
- Knowledge of Bank Australia’s products and services is highly regarded
- Empathy to the customers’ financial situation
- Commitment to Bank Australia’s purpose, aspiration, values and brand as well as the B Corp ethos.