Credit Assessor Job

VCMM作为悉尼首屈一指的非银行借贷机构,自成立至今与众多诸如La Trobe Finance、Pepper Money等资深Funder建立了深入合作并推出了包括本地申请材料简化贷款（Low Doc）、海外房屋贷款、建筑贷款、商业贷款等各领域贷款产品，深受Broker好评。

Credit Assessor Job Description
Position：Credit Assessor
Department：Credit Management Unit
Reporting to：Compliance / CEO
Salary Range： depends on experience
Job Duties：Be responsible for whole assessment of loan process and following up with the Funders and BDM, auditing loans according to company’s policy and procedure

Duty 1: Be responsible of Credit Assessment:
• Reviewing the documents and information provided by BDM
• Auditing documents fraud and inconsistency in an efficient manner
• Reducing the incidence of fraud through timely detection and ongoing preventative measures
• Keeping notes via in-house CRM system in a timely manner
• Undertaking full assessment based on report provided by BDM
• Auditing the integrity and authenticity of loan application documents
• Verifying applicant’s employment and accountant
• Managing daily communication with BDMs, updating loan application process and requiring updated documents
• Reporting to Credit Manager for final assessment before submission
• Keeping informed of product and policy from each lender

Duty 2: Be responsible of communication:
• Solicits quality loans that meet the criteria of current product offering.
• Liaising with BDM to confirm clients’ information including annual salary, existing liability, the number of credit cards they have, etc.
• Supporting BDMs with loan scenarios from external brokers
• Following up submitted applications to settlement
• In some cases, communicating with client’s accountant to confirm the information of Accountant Letter
• Requiring documents of information from solicitor directly if case is urgent or the request of brokers/clients

Duty 3 General Duties:
• Proposes improved work methods and suggests ideas to for improvement
• Follows company policies, procedures and work conduct rules
• Attending and conducting Lender’s training session
• Reviewing and auditing client’s information via employment check
• Giving suggestions to BDM with products’ selections
• Requesting updated documents of clients from brokers when needed
• Communicating with funders leading up to settlement

Required Skills
• Demonstrating proper judgment and decision-making skills
• Strong organizational and time management skills
• Excellent written and verbal communication skills
• Strong attention to detail
• Strong working knowledge of MS Office, in particular Word and Excel;
• Detailed knowledge of all relevant regulatory requirements
• Demonstrated ability to learn new practices and procedures
• Hold accounting / finance tertiary qualification
• Must speak fluently Mandarin skills (verbally and written)

Stakeholders
Internal: Credit Team & Management
• Maintaining an acceptable record of attendance, punctuality and meeting deadlines
• Screening potential business deals by analysing case scenario
• Filtering cases and scenarios with brokers to ensure the quality of the loans