Mortgage Underwriter

Provenio People; Sydney; Hybrid; AUD 90,000 - 110,000; Full time

Job summary

Provenio People is assisting a Sydney-based leading non-bank lender to hire a Mortgage Underwriter. The role is hybrid (3-4 days in office) in the Sydney CBD, reporting to the Credit Operations Manager and collaborating with brokers and external partners across the lending ecosystem.

You will assess and underwrite residential mortgage applications, handle high volumes with precision, and ensure decisions comply with policy and regulatory requirements.

Qualifications

• 2+ years of mortgage underwriting or credit assessment experience in a bank or non-bank environment.
• Must hold a DLA of $1M.
• Strong knowledge of consumer mortgage lending policies and regulatory requirements.

Responsibilities

• Assess and underwrite residential mortgage applications, primarily via broker channels
• Manage a high volume of loan applications with accuracy and compliance
• Ensure lending decisions align with internal credit policies and regulatory requirements
• Build and maintain relationships with brokers, introducers, and stakeholders
• Apply a commercially balanced approach to credit decisioning while managing risk
• Contribute to high service levels and quick turnaround times in underwriting

Skills

Mortgage underwriting

Credit assessment

Stakeholder management

Regulatory compliance

Attention to detail

Communication skills

Education

Certificate IV in Mortgage Broking

Diploma in Mortgage Broking

Job description

Credit Assessor (Underwriter) - Mortgages | Permanent | Sydney | Leading Non-Bank Lender

Sydney CBD location | Hybrid (3-4 days in office)

Our client, a leading non-bank lender based in the heart of Sydney, is seeking an experienced Mortgage Underwriter to join their growing credit team. This is an exciting opportunity to work within a high-performing environment, supporting the delivery of efficient, compliant, and commercially sound lending outcomes.

In this role, you will report directly to the Credit Operations Manager and work closely with internal stakeholders as well as external partners including brokers, introducers, and other key parties across the lending ecosystem.

Key Responsibilities:

• Assess and underwrite residential mortgage applications, primarily via broker and third-party origination channels
• Manage a high volume of loan applications while maintaining strong attention to detail and compliance standards
• Ensure all lending decisions align with internal credit policies and regulatory requirements
• Build and maintain strong relationships with brokers, introducers, and key stakeholders
• Apply a commercially balanced approach to credit decisioning while managing risk effectively
• Contribute to maintaining high service levels and turnaround times across the underwriting function

About You:

• Minimum 2+ years’ experience in mortgage underwriting or credit assessment within a bank or non-bank environment
• Must hold a DLA of $1M
• Strong understanding of the consumer mortgage lending market and lending policies
• Solid knowledge of broker/introducer channels and market practices
• Sound understanding of relevant State and Federal regulatory requirements, including banking and finance law
• Ability to manage high volumes of work while maintaining accuracy and compliance
• Excellent communication, negotiation, and stakeholder management skills
• High level of integrity, attention to detail, and customer focus
• Certificate IV in Mortgage Broking (or willingness to obtain); Diploma preferred

This is a fantastic opportunity to join a forward-thinking and growing lender, offering strong career progression and the chance to work within a collaborative, high-performing team.