Credit Officer (Independent Contractor)

Who We Are: At Hunt St, we help Australian companies hire top remote talent in the Philippines. For this role, you will be engaged directly by the client as an independent contractor. We are not an outsourcing agency. All roles are 100% remote, allowing you to work from home.

Who The Client Is: An established Australian finance company specializing in tailored lending solutions for individuals, businesses, and property investors. They focus on understanding unique client circumstances and delivering practical finance solutions backed by exceptional service and industry expertise. The organization prioritizes long-term client relationships through professionalism, responsiveness, and seamless experiences from initial inquiry to settlement.

Role Overview: We are seeking an experienced Credit Officer to manage residential and commercial mortgage applications from submission to formal approval. Responsibilities include assessing credit risk, making lending recommendations, ensuring compliance with Australian lending regulations, and providing exceptional support to brokers, clients, and internal stakeholders.

The ideal candidate is an experienced lending professional with strong analytical skills, meticulous attention to detail, and the ability to manage a high-volume pipeline while meeting service level expectations. This role values accuracy, ownership, and exceptional customer service.

Key Responsibilities:

Credit Assessment & Decision Making

• Evaluate residential and commercial mortgage applications by assessing borrowers' creditworthiness and financial position.
• Analyze financial statements, credit reports, supporting documentation, and other relevant information to determine lending risk.
• Make informed and timely credit decisions based on thorough analysis and established lending guidelines.
• Prepare comprehensive credit assessments and present lending recommendations for approval or decline.
• Implement effective risk management strategies to minimize potential credit exposure.

Pipeline & Stakeholder Management

• Take full ownership of loan applications from submission through to formal approval.
• Manage a high-volume pipeline while ensuring service level agreements (SLAs) and turnaround times are consistently achieved.
• Monitor application progress and proactively follow up to ensure efficient movement throughout the lending process.
• Maintain regular communication with introducing brokers to ensure all required documentation and information are received promptly.
• Liaise daily with brokers, loan officers, clients, and internal stakeholders via phone and email to provide updates, clarify application requirements, and facilitate lending decisions.
• Build strong working relationships with brokers and internal stakeholders to support a seamless lending experience.
• Provide guidance and support to team members on credit-related matters when required.

Compliance & Documentation

• Ensure all loan documentation is complete, accurate, and compliant with internal policies, regulatory requirements, and Australian lending standards.
• Prepare and maintain accurate, comprehensive credit assessments for every application.
• Stay up to date with changes to regulatory requirements within the Australian non-bank lending sector.
• Communicate professionally with internal and external stakeholders while maintaining the integrity of credit processes and delivering a positive customer experience.
• Undertake other duties aligned with skills, qualifications, and experience as required.

Required Skills and Qualifications:

• Minimum 2 years of regulated mortgage underwriting experience across Australian residential and commercial mortgages.
• Strong understanding of financial analysis, credit risk assessment, lending principles, and Australian mortgage underwriting processes.
• Strong analytical, problem-solving, and decision-making skills with the ability to exercise sound judgment when assessing credit risk.
• Excellent attention to detail and commitment to maintaining the highest standards of compliance and documentation.
• Proven ability to independently manage multiple loan applications while consistently meeting service level agreements and turnaround times.
• Excellent verbal and written communication skills, with the ability to confidently liaise with brokers, clients, loan officers, and internal stakeholders.
• Ability to build strong professional relationships while communicating lending decisions clearly and diplomatically.
• Strong organizational and time management skills with the ability to prioritize competing deadlines.
• Self-motivated, self-sufficient, and able to work autonomously in a fast-paced environment.
• Proactive, solutions-focused, and committed to delivering outstanding customer service.
• High level of professionalism, ownership, integrity, and accountability.
• Experience supporting or mentoring junior team members on credit-related matters.
• Demonstrated adaptability and the ability to quickly learn new lending processes, systems, and regulatory changes.
• Positive “can-do” attitude with a willingness to support additional business requirements when needed.

Work Arrangement & Expectations:

This is a remote role set up as an independent contractor engagement. Successful candidates will be expected to:

• Disclose any existing ongoing roles or client work.
• Reflect this engagement on their LinkedIn profile (clearly marked as “Independent Contractor”).