Mortgage Underwriter

Resimac; Sydney; Hybrid; AUD 90,000 - 120,000; Full time

Benefits offered by this job

WFH flexibility

Wellness hour

Cake day

Parental leave

Job summary

Resimac is seeking a proactive Residential Credit Assessor to join our Mortgage Lending team. You will assess new mortgage applications, ensuring alignment with credit policies, regulatory requirements and risk appetite while supporting product innovation and sound risk management practices.

The role involves exercising delegated lending authority, partnering with sales teams, Mortgage Managers and Introducers to deliver quality submissions and a seamless end-to-end lending experience.

Qualifications

• 2-5+ years’ experience in mortgage underwriting or credit assessment.
• Active DLA of $1 million+ is highly regarded.
• Proven experience in residential credit assessment via third-party/broker origination.

Responsibilities

• Assess new mortgage applications within credit guidelines.
• Approve or decline applications within delegated authority or make recommendations for applications outside your authority.
• Ensure any exceptions are fully documented with clear risk mitigants.
• Maintain strong relationships with Mortgage Managers, Introducers, and internal teams.
• Respond promptly to queries, providing high-quality, customer-focused service.
• Assist in educating sales teams and originators on products, processes, and policies.
• Ensure all lending decisions comply with credit policy, regulatory requirements, and company procedures.
• Highlight and recommend product or policy amendments to support innovation and risk management.
• Support high-quality reporting and monitoring of applications, ensuring accuracy and timeliness.

Skills

Residential credit

DLA authority

Mortgage underwriting

Regulatory knowledge

Analytical skills

Communication skills

Autonomous work

Microsoft Office

Tools

Microsoft Office

Job description

Resimac Group is a dynamic and leading ASX-listed non-bank lender and multi-channel distribution business in Australia and New Zealand. We enable homeowners and businesses to achieve their dreams by providing innovative, fast and accessible lending solutions to homeowners, consumers and business across Australia and New Zealand.

Our brands include Resimac, Resimac NZ, homeloans.com.au and Resimac Asset Finance and we’re proud to be servicing over 50,000+ current customers, with assets under management of over $15 billion, and a fast-growing workforce of over 330 people operating across Australia, New Zealand and the Philippines.

About the role

We're looking for a proactive and dynamic Residential Credit Assessor to join our Mortgage Lending team.

In this position, you'll assess new mortgage applications, ensuring they align with credit policies, regulatory requirements and risk appetite, while also supporting product innovation and sound risk management practices. You'll exercise your delegated lending authority with confidence and contribute to delivering a seamless end-to-end lending experience.

You'll partner closely with our sales team, Mortgage Managers and Introducers, providing guidance, expertise and timely insights to support quality submissions and strengthen key relationships. This is a great opportunity to make a real impact on both risk outcomes and customer experience within a fast-paced lending environment.

Key Responsibilities

• Assess new mortgage applications within credit guidelines.
• Approve or decline applications within delegated authority or make recommendations for applications outside your authority.
• Ensure any exceptions are fully documented with clear risk mitigants.
• Maintain strong relationships with Mortgage Managers, Introducers, and internal teams.
• Respond promptly to queries, providing high-quality, customer-focused service.
• Assist in educating sales teams and originators on products, processes, and policies.
• Ensure all lending decisions comply with credit policy, regulatory requirements, and company procedures.
• Highlight and recommend product or policy amendments to support innovation and risk management.
• Support high‑quality reporting and monitoring of applications, ensuring accuracy and timeliness.

If the following sounds like you, you'll be a great fit:

• Proven experience in residential credit assessment within a third‑party/broker origination channel.
• An active DLA of $1 million or more is highly regarded but not essential.
• 2-5+ years’ experience in mortgage underwriting or credit assessment, with a strong understanding of residential lending processes.
• Strong understanding of credit policies, market practices, and relevant State and Federal regulatory laws.
• Strong analytical and commercial acumen, with the ability to assess a high volume of loans efficiently and accurately.
• Excellent communication and negotiation skills.
• Proactive, self‑motivated, and able to work autonomously while collaborating effectively across teams.
• High attention to detail, integrity, and a customer‑focused approach.
• Competent with Microsoft Office suite and other relevant tools.

What’s in it for you?

Resimac offers a collaborative culture that encourages career growth, professional development, and workplace flexibility.

With a focus on our people, Resimac offers several employee benefits, including:

• Supportive and friendly environment where we pride ourselves on being approachable
• WFH flexibility
• Wellness hour – get 2 hours each month to take back time for yourself!
• Internal opportunities to cross-train in other teams and areas of the business
• Reward platform with access to discounts, deals, and cashback offers
• Monthly cake day to celebrate birthdays
• Breakfast Bar – daily breakfast provided to help fuel your day!
• Other outstanding benefits including paid parental leave (16 weeks), volunteer opportunities, salary packaging, EAP, reward platform access, and external professional development opportunities

Resimac is committed to building a diverse and inclusive workplace and encourages applications from Aboriginal and Torres Strait Islander peoples, LGBTI communities, mature workers, people living with disability, and individuals from diverse cultural backgrounds.

Please note that unsolicited applications from recruitment agencies will not be accepted.