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 – option to WFH a few days per week upon completion of training period.Purpose of the roleGreater Bank and Newcastle Permanent have recently come together to form NGM Group Ltd, a powerhouse in customer-owned banking.We currently have a permanent, full-time opportunity available in our Credit Operations team, supporting Newcastle Permanent brand/products. In this varied and engaging role based in Newcastle, you'll leverage your critical thinking capabilities to analyse and decision home loan applications that fall within our defined policy guidelines and your delegated approval limits and will also have the opportunity to provide expert recommendations for applications that require a specialized approach. This multifaceted position offers the opportunity to take the next step in your career and play a pivotal role in shaping 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 and if appropriate an Outside Policy Delegation.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 members 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 member 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?Experience with home loan applications.Competent computer skills, in particular experience with Microsoft Office Suite of products.Exposure to an automated loans processing system (desirable).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; Flexible work including hybrid arrangements (once 3-6 month training period has been completed), hotel discounts, 14 weeks paid parental leave, two community volunteer days per year and three recreational leave days per year.Professional advancement; Diverse career opportunities, recognition programs and employee referral program.About usWe'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 1,600 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.#J-18808-Ljbffr