Mortgage Underwriter

ABOUT THE COMPANY

Lotus People are excited to be working with an Australian non-bank lender who is known for its innovative products, customer-first service, and dynamic growth in the mortgage and finance sector. With a strong market presence and a collaborative culture, the business empowers its people to make a real impact. Employees thrive here thanks to an inclusive environment, professional development opportunities, and the chance to contribute to industry-leading lending solutions.

ABOUT THE ROLE

As a Mortgage Underwriter in the Specialist Lending team, you'll be at the forefront of assessing and approving complex mortgage applications, ensuring compliance while balancing commercial outcomes. Collaborating with key stakeholders across lending, sales, and product teams, you'll help shape product innovation and deliver exceptional service to mortgage managers and introducers. Your expertise will directly influence customer satisfaction, brand loyalty, and business growth.

*DUTIES*

• Assess and decision mortgage applications within delegated lending authority
• Recommend approvals for applications outside your authority with sound risk mitigations
• Ensure compliance with credit policies, guidelines, and KPIs
• Maintain strong relationships with third-party mortgage managers and introducers
• Respond to originator queries with professionalism and efficiency
• Identify and recommend policy or product improvements
• Support the education of sales teams and originators on products and processes

*SKILLS & EXPERIENCE*

• Minimum 2 years' mortgage underwriting experience
• Strong understanding of residential mortgage lending and third-party distribution
• Knowledge of regulatory requirements and banking/finance law
• Certificate IV in Mortgage Broking (or willingness to obtain); Diploma preferred
• High attention to detail, integrity, and customer focus
• Excellent negotiation, communication, and stakeholder management skills
• Proficiency in Microsoft Office and loan management systems

BENEFITS

• New modern CBD offices close to public transport
• Opportunities for career growth and professional development within an ever-growing company
• Free breakfast every morning
• Tight-knit and sociable team culture - a real buzz in the office
• Flexible work arrangements (WFH options after initial induction period)
• Thorough training programme provided to set you up for success, with fantastic onboarding process and ongoing tailored training
• Additional benefits like purchased leave, monthly wellness hour, volunteer opportunities, and discounted gym memberships

OUR RECRUITMENT PROCESS

At Lotus People, we are committed to fostering diversity, equity and inclusion. We encourage applicants from all backgrounds to apply and will ensure a fair and equitable recruitment process.

Every application we receive is reviewed by a real person, never by AI. If your experience aligns with the requirements of the role, a consultant will be in touch within 2–3 business days for an initial phone screen. Shortlisted

candidates will then proceed to a virtual interview with the consultant managing the role.

Due to the volume of applications and the specific nature of our briefs, we are unable to take phone enquiries about roles before an application is submitted. We ask that all interested candidates please apply online and wait to hear from us. Rest assured, we respond to every applicant, regardless of the outcome, so you will not be left wondering.

Lotus People are proud to have been awarded Best Agency for Candidate Experience for five consecutive years. We look forward to providing you with a positive and respectful experience.