Credit Analyst Home Loans

• Play a pivotal role in our valued customers' home ownership journey.
• Leverage your home loan expertise in this permanent, full-time role.
• Role based in Newcastle CBD – Hybrid work arrangement on offer upon completion of training period.

Purpose of the role

We are excited to offer a permanent, full-time position within our Credit Operations team, supporting the Newcastle Permanent brand and products. Based in Newcastle, this dynamic and engaging role will see you using your critical thinking skills to analyse and make decisions on home loan applications, ensuring they align with our policy guidelines and your delegated approval limits. Additionally, you'll have the opportunity to provide expert recommendations for applications that require a more specialised approach. This is a fantastic opportunity to advance your career while playing a key role in helping shape our customers' homeownership journeys.

Join us and make an impact in a rewarding, high-performance, values-driven environment

What will your key responsibilities include?

• Analyse loan applications based on organisational policies and credit risk profile.
• Exercise a personal delegated lending authority.
• Decision applications that are within delegated authority. Provide detailed analysis and recommendations to a higher approval authority for other applications.
• Decline applications that do not meet organisational acceptable risk profiles.
• Deliver effective services to internal customers and consequently enhance customers experience in dealing with Newcastle Permanent/NGM.
• Take ownership of workload and effectively prioritise workflow to meet deadlines and required benchmark targets.
• Act as a referral source for staff within related departments in the management of home loan products.
• Implement and proactively support new processes and procedures.
• Ensure customer complaints are actioned, resolved, or escalated to senior management within an acceptable time frame.
• Consult with loan originators (Mortgage Lending Network and Broker Network), to gain additional information and/or clarification to enable effective loan decisions/recommendations to be made.

What are we looking for?

• Home loan credit assessment experience and application of a Delegated Lending Authority within a team-based, fast-paced, technology and customer service-driven environment.
• Competent computer skills, in particular experience with Microsoft Office Suite of products.
• Excellent attention to detail and accuracy.
• Sound problem solving, critical thinking, analysis, and decision-making skills.
• Well-developed customer service, communication, and stakeholder engagement capabilities.

What can you expect from us?

NGM Group employees can take advantage of the following work perks:

• Health and wellbeing; Fitness passport, corporate health insurance and annual flu vaccination.
• Lifestyle and giving back; Hotel discounts, 18 weeks paid parental leave, two community volunteers days and three recreational leave days per year.
• Professional advancement; Flexible work arrangements, recognition programs and employee referral program.

About us

We're NGM Group, and we offer retail banking services to more than half a million Australians under the brands Greater Bank and Newcastle Permanent.  We have fresh energy and big goals for our customers, and our people are key to us achieving this success. If you're ready to be part of a team that puts the customer first and enjoys a challenge as the path to growth and innovation, then … we want you

Collectively, we're the largest customer-owned bank based on net assets and the 10th largest Australian-owned bank for household deposits. A financial powerhouse headquartered in the Hunter, we have a workforce of more than 1,800 people and total assets of more than $20 billion.

NGM Group is committed to delivering trusted banking to enable our customers and communities to thrive. We do this by leading with heart, doing the right things in the right way, and by maintaining high standards of ethical behaviour in everything that we do. All applicants are therefore required to undergo a skills assessment, comprehensive background check, Bankruptcy Check and a National Police Check.

We are also working to reflect the vibrant communities we serve. We believe in creating an inclusive, diverse, and supportive workplace where everyone can thrive. If you require adjustments to be made during the recruitment process or would like to discuss any accessibility requirements, your Talent Acquisition Partner will be happy to engage in a confidential discussion and assist. Your unique talents and perspectives are what make us stronger.