This is a full-time role based in Australia or New Zealand!
Help us expand our pilot re-establishing onshore ANZ underwriting for Cards – optimising pull through on more complex income types.
The Pay Credit Underwriter is responsible for the assessment and credit decisioning of Credit Card applications and Credit Card limit increases whilst ensuring that all underwriting complies with LFS policy & procedure and legislative requirements.
Key Responsibilities: Assess and undertake manual credit decisions to complex applications, contacting customers directly where necessary.
Correct decision making of applications within delegated authority (DA).
Make recommendations where applicable to higher delegated authorities (DA).
Build strong relationships with stakeholders by providing service within determined SLA's.
Discuss and clarify decisions with stakeholders, resolving accordingly in line with Latitude's policy & procedure.
Handle and own escalations from stakeholders and resolve accordingly in line with LFS policy & procedure.
Together with Leader, monitor and control workflow queues working collaboratively to flex.
Together with Leader, support feedback to Genpact on opportunities including refinements to underwriter referral criteria.
Promote a positive work environment.
Adherence to the Originations & Account Management Procedure.
Adherence to Latitudes policy, procedures and relevant legislation.
Other reasonable/developmental tasks as directed.
Minimum Qualifications: Minimum 5 years' experience in consumer lending underwriting with delegated lending authority.
Strong understanding of the Financial Services Industry and associated finance products.
Strong working knowledge of AML and Responsible Lending legislation across AU &/or NZ.
Excellent verbal and written communication skills with proven experience in handling difficult conversations.
Excellent customer service skills including delivery of decisions and explanations to stakeholders and directly with customers.
Self-motivated individual who isn't afraid to challenge the status quo and deliver outcomes.
Ability to think strategically and critically in credit decision within a fast-paced environment.
Relevant Tertiary qualifications in Financial/Accounting/Business preferred.
In return for your energy and ideas, we offer genuine flexible family life/work balance e.g.
adjusted days, hours.
Health, well-being and social initiatives to help you feel well and connected, as well as our hugely popular extra week of leave program.
We always support a safe, healthy, engaging and productive working environment for all employees and workers, whether that be in your home an office or a combination of both.
Sometimes the best candidates don't have 100% of what is listed above, but if you have most and are confident you'd be a good fit, we'd love to hear from you!
Recognition @ Latitude: Education support.
Better giving programme with charity partners, Latitude matches dollar for dollar.
Community partner days.
Flexibility @ Latitude: Flexible work arrangements - balance work and personal responsibilities.
Hybrid set up - work from home & the office.
3 Days paid volunteer leave annually, paid community service leave, paid compassionate/bereavement leave.
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In return for your energy and ideas, we offer a flexible working environment and great compensation.
We always support a safe, healthy, engaging, and productive working environment for all employees and workers, whether that be in your home and office, or a combination of both.
We're Latitude, partners in money Latitude may seem like the new kid on the block, but it's taken us almost a hundred years to become an overnight success.
Digital payments, cards, loans are what we offer - but what we really are is a platform that helps people shop and live better.
Always living and breathing our values.
Take Ownership, Win Together, Pursue Excellence & Create Tomorrow.
Successful applicants will be required to complete a background check (including criminal history and bankruptcy check) prior to commencement of employment.
Only open to Australian or New Zealand Permanent Residents or Citizens.
About Us Why work at Latitude?
In addition to a great culture, challenging work and the chance to grow your career, Latitude also offers a comprehensive suite of employee benefits, designed to be as individual as each of our employees.
From superannuation and short term incentives to flexible working policies and a comprehensive employee assistance program, there are Latitude benefits to support your working and personal life.
Additionally, the 'Congratitude' recognition program exists to reinforce our spirit of teamwork and achievement, and have a little fun along the way.
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