Senio Credit Assessor

At Abacus Home Loans, we're not just another mortgage manager — we're a fast-growing, dynamic, and energetic team revolutionising home and commercial lending

We break barriers where traditional banks won't, offering flexible, customer-first lending solutions that truly make a difference.

We're now seeking a Senior Credit Assessor who's ready to lead, innovate, and grow within a supportive and empowering environment. This is more than a job — it's a genuine career opportunity with a fast track to leadership.

You'll have the opportunity to shape credit policies, drive business growth, and even travel interstate and overseas to train and expand our team.

At Abacus, we believe in diversity, inclusion, and equal opportunity. We encourage applications from women and professionals from all backgrounds who share our passion for excellence in lending.

Key Responsibilities

Loan Assessment & Decision-Making

• Assess complex home loan applications within delegated lending authority.
• Handle transactions up to $10M for this senior-level position.
• Deliver structured, policy-driven credit approvals and escalate where necessary.
• Ensure efficiency, accuracy, and consistency in credit decisioning.
• Experience with Alt Doc, SMSF, and Commercial Property Lending is highly valued.

Risk & Compliance Management

• Ensure compliance with NCCP, AML/CTF, and responsible lending regulations.
• Identify and manage credit risks, recommending suitable mitigation strategies.
• Support fraud prevention and responsible lending protocols.

Leadership & Collaboration

• Work closely with brokers, BDMs, and internal teams to streamline loan processing.
• Provide mentorship to junior credit analysts and underwriters.
• Contribute to ongoing improvements in credit policies and lending processes.

Experience & Qualifications

• Minimum 5+ years' experience in home loan credit assessment (ideally with a non-bank lender, mortgage manager, or fintech).
• Strong grasp of responsible lending principles and risk management.
• Proven leadership and stakeholder engagement skills.

Skills & Attributes

• Strong analytical mindset with sound commercial judgement.
• Excellent communication skills — fluent in English, with Mandarin or Cantonese considered a strong advantage when supporting our multicultural broker and client network.
• Passion for innovation and process improvement in credit.
• Motivated to progress into senior or strategic leadership roles.

Why Join Us

• Be part of a modern, forward-thinking lender that values innovation and people.
• Inclusive and flexible workplace — we value balance, teamwork, and diversity.
• Real opportunities for career advancement and international exposure.
• Collaborative culture where your ideas are heard and valued.

Abacus Home Loans is an Equal Opportunity Employer.

We welcome applications from women and all qualified candidates who want to be part of a team that's reshaping the future of lending in Australia.

Job Type: Full-time

Pay: $110,000.00 – $150,000.00 per year

Benefits:

• Salary packaging

Work Location: In person