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COVID-19:

The health and safety of our colleagues and candidates for employment are our highest priority. Accordingly, Citi continues to monitor the COVID-19 situation closely. We have implemented precautionary measures across our firm globally, including conducting all candidate interviews virtually on a temporary basis until further notice where needed.

Mortgage Credit Analyst

Job Req ID 21251461 Primary Location Sydney, Australia Job Category Risk Management
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Our Mortgages Credit Team is responsible for assessing mortgage applications to only eligible deals, to minimise risk to the Bank and provide exceptional service to our brokers and exceed customer expectations. A large part of the role of is to work with out stakeholders and vendors to strengthen our relationship and aim to towards first call resolution.

Your key accountabilities include but are not limited to:

  • Responsible for the timely and accurate assessment of allocated New Business and Variations applications. Applications are processed under the ‘Ownership Model’ which requires accountability of file management from allocation to final approval
  • Thoroughly review application information/documentation and obtain a clear understanding of customer needs and loan purpose to ensure customer satisfaction within service levels.
  • Professional, clear and concise communication to brokers and customers (and Sales Team where required) both over the phone and in writing throughout the stages of the assessment process. This includes approvals, declines, and requests for further information
  • Package and submit deals requiring Lenders Mortgage Insurance (LMI)
  • Liaise with Lenders Mortgage Insurance to obtain approval on proposed applications
  • Build and maintain strong relationships with Business Development Managers, Mortgage Specialist, customers and brokers as per the ‘Ownership Model Contact Agreement’
  • Review  title searches for all deals prior to approval
  • Obtain approval from Risk and Mortgage Product where exceptions are required
  • Review the completed final approval with all supporting documents, sign and instruct Solicitors to prepare mortgage documents
  • Management of  post settlement clarifications regarding non maintenance of settled applications
  • Proactively identify improvements to service delivery and efficiency
  • This may include suggesting changes to credit risk policies, processes and procedures
  • Keep abreast and adhere to Policies, Procedures and Risk Bulletins
  • Adhere to timeframes on Compliance Training and Quality Assurance

Competencies and Experience to be successful in this position you must have the following skills and experience:

  • Experience in an operational environment (ideally obtained within banking and finance)
  • Knowledge/experience in Mortgage products and operations, essential Knowledge/experience in Secured credit, essential
  • Experience in Credit underwriting including a delegation in Mortgage Lending
  • Experience in income verification and validation for PAYG and Self employed applicants
  • Strong experience in Customer Service and Sales, desirable
  • Excellent professional communication skills, both oral and written with experience in documentation
  • Education Qualifications: Preferred High level of computer literacy in MS Power Point and Word / Intermediate level in Excel
  • Higher School certificate or equivalent
  • Tertiary qualifications desirable
  • Demonstrated understanding of implications for working within a regulated environment
  • Well organized, attention to detail and able to meet deadlines
  • Adaptable to change
  • Minimal supervision required
  • Able to work autonomously and within a team environment 

When you work at Citi, you’ll be working for an organisation that truly has a global footprint and a powerful network that spans the globe. We celebrate individual ingenuity and leverage the diversity of our people in order to drive high performance. Through dedicated support, training and resources, we promote our talent and future leaders to bring about lasting and positive impact. Citi continues to be an Employer of Choice for Women and supports a flexible work environment.

Citi has entered into an agreement with NAB to acquire its consumer bank in Australia which includes residential mortgages, deposits, and unsecured lending.

The sale is expected to complete in March 2022. As this is a role to work in Citi’s consumer bank, the successful candidate will initially be employed by Citi, but on sale completion, their employment will transfer to a NAB (or) a new entity that will employ Citi’s consumer bank employees, prior to their transfer to NAB.

Personal information (as defined in the Privacy Act 1988) will be handled in accordance with our Privacy Policy. Please see www.citi.com.au/privacy 

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Job Family Group:

Risk Management

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Job Family:

Credit Decisions

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Time Type:

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Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View the "EEO is the Law" poster. View the EEO is the Law Supplement.

View the EEO Policy Statement.

View the Pay Transparency Posting

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We foster a culture that embraces all individuals and encourages diverse perspectives, where you can make an impact and grow your career. At Citi, we value colleagues that demonstrate high professional standards, a strong sense of integrity and generosity, intellectual curiosity, and rigor. We recognize the importance of owning your career, with the commitment that if you do, we promise to meet you more than half way.

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