Personal Finance Specialist

RAC WA; Perth; On-site; AUD 70,000 - 95,000; Full time

Benefits offered by this job

Flexible work

Insurance discounts (home/auto)

Roadside assistance

Health & Wellness programs

Community volunteering

Diversity & Inclusion

Active Social Club

Job summary

RAC Finance (RACF) is seeking a Full-Time Loan Assessor to support the Personal Finance team in Western Australia. You will engage with members via inbound/outbound calls to understand financial situations, assess loan applications, and ensure compliance with the National Credit Code and Privacy Act.

The role focuses on timely progress from discussion to settlement. The successful candidate will have loan assessment experience, customer service background, strong communication, and a sound

Qualifications

• Experience assessing loans in banking/finance.
• Experience in a customer service role.
• Strong communication skills.
• Knowledge of the National Credit Code and Privacy Act.

Responsibilities

• Conduct member discussions (inbound/outbound) to understand loan applications and support pre-approval/decline decisions.
• Keep members informed of loan progress and complete follow-up calls to progress to settlement.
• Perform credit assessment checks to ensure acceptable risk and comply with the National Credit Code.
• Achieve credit assessment targets in line with policy and procedure.
• Verify supporting loan documentation.
• Prepare loan documentation.

Skills

Loan assessment

Customer service

Strong communication

National Credit Code

Privacy Act

Job description

RAC’s vision is for a safer, sustainable, and connected future for Western Australians. For more than 115 years, we’ve worked with our members and the community to create change for the better.

RAC Finance (RACF) specialise in market leading finance products and services ranging from personal loans, investment notes and property development finance loans.

We are currently on the lookout for a Full-Time Loan Assessor to join the Personal Finance team. As part of this role you will provide a personalised experience to understand our members current and desired situations, assess loan applications and adhere to strict compliance obligations. Each loan is assessed inline with the RAC Finance Credit Policy, ensuring responsible lending decisions, efficient timeframes and delegated approval authority levels.

What will you be doing?

• Conducting member discussions (inbound/outbound calling) to understand financial information provided on loan applications to support pre-approval or decline decisions
• Proactively keep members informed of loan progress, outcomes and complete follow up calls to progress loan applications to settlement
• Analysing all data and complete necessary credit assessment checks, to ensure an acceptable level of risk, complying with all legislative requirements including the National Credit Code
• Achieve credit assessment targets in accordance with credit policy and procedure
• Analysing and verifying supporting loan documentation
• Preparation of loan documentation

What will you bring to the role?

• Previous loan assessment experience is required (banking or finance industry experience preferred)
• Experience in a customer service role
• Strong communication skills
• Sound understanding of the national credit code, responsible lending obligations and Privacy Act

What We Offer You

Better Journeys Begin at RAC. A career at RAC is more than just a job. We are passionate about our people, and we strive to create an environment that fosters their growth, our culture, and diversity and inclusion for all.

• Our People are members first. Our people feel valued, respected and recognised
• Be empowered to learn – professional career development and trainingprovided
• RAC recognise the value of flexible work
• Generous discounts on home, contents and car insurance plus free roadside assistance
• In-house Health and Wellness programs
• Community Volunteering program
• An established Diversity & Inclusion strategy
• A very active Social Club - join one of the most active social clubs in Perth with over 900 members