Credit Underwriter

About the Role

We are seeking a highly skilled Credit Underwriter to support a leading Australian fintech lender focused on sustainable home improvement and consumer financing. This is a 6-month contract role ideal for professionals with strong AU credit experience, excellent attention to detail, and the ability to manage application workflows end-to-end.

You'll play a critical role in assessing and finalizing loan applications, liaising with applicants and vendor partners, and ensuring decisions comply with credit policies and lending regulations.

Key Responsibilities

• Assess Credit Applications: Review submitted documents for completeness and eligibility; identify any gaps or risks and apply appropriate decision-making based on internal credit policy and DLA thresholds.
• Follow Through on Incomplete Applications: Communicate with applicants and vendors to collect missing documents and ensure files are complete before final credit decisioning.
• Engage Stakeholders: Handle inbound and outbound queries from applicants and vendor partners via phone, email, and support platforms; provide timely updates on application status.
• Use of Credit Tools:
  • Access and interpret Equifax reports for credit risk analysis
  • Verify property details via RP Data (CoreLogic)
  • Manage application lifecycle using platforms such as Zendesk, Genesys, and FinPower
• Compliance & Policy Adherence: Apply consistent credit decisioning aligned with AU lending standards and responsible lending obligations.
• Maintain Audit Trails: Record decisions, document justifications, and keep systems updated to ensure clear compliance and reporting visibility.

Requirements

• Minimum 2-3 years of experience in credit underwriting or lending operations within the Australian finance or fintech industry
• Strong preference for candidates who have previously held a Delegated Lending Authority (DLA)
• Familiar with Equifax, RP Data, and Australian credit reporting practices
• Comfortable using platforms such as Zendesk, Genesys, and FinPower
• High attention to detail, with strong written and verbal English communication skills
• Able to work independently and maintain high service levels in a remote setting
• Experience in home improvement, solar, or consumer finance is a plus