Internal Auditor

Quercus Valley Holding Limited; Auckland; On-site; NZD 90,000 - 130,000; Full time

Benefits offered by this job

Competitive remuneration

Professional development opportunities

Job summary

Quercus Valley Holding Limited, an Auckland-based financial services company, seeks an experienced Internal Auditor to strengthen our risk assurance framework across non-bank lending, mortgage portfolios and property syndicates.

You will lead audits, assess risk, evaluate controls, and report to senior management while helping improve processes and regulatory compliance for our growing loan book.

Qualifications

• Bachelor's degree or higher in Business, Finance, Accounting, Economics, or related field.
• 5+ years of relevant full-time work experience in financial services risk management, internal audit, or compliance.
• Proven experience in financial services, preferably banking, non-bank lending, or property finance.
• Demonstrated experience in risk assessment, internal control evaluation, and business process review.
• Strong written and verbal communication in English; Mandarin proficiency beneficial.
• Knowledge of NZ financial services regulations and FSP compliance requirements.
• Experience with first and second mortgage lending processes.
• Professional certifications (CIA, CPA, CA) advantageous but not required.

Responsibilities

• Examine, verify and evaluate financial, operational and managerial processes for integrity and compliance.
• Identify, assess and report on financial and operational risks across lending portfolios.
• Conduct systematic reviews of operational processes to evaluate cost, efficiency and risk exposure.
• Report on the effectiveness of internal controls and recommend remedial actions.
• Establish audit objectives, design methodologies, and prepare comprehensive audit reports.
• Review loan origination, underwriting, servicing and recovery processes for compliance.
• Collect, analyse and interpret information on financial standing and cost structures.
• Advise management on regulatory compliance matters and financial services regulations.
• Identify, manage and report on liquidity, interest rate, and credit risk exposures.
• Assist with budgetary cost control and accounting systems.

Skills

Financial risk management

Internal audit

Regulatory compliance

Credit risk

Data analysis

English & Mandarin

Education

Bachelor's degree in Business/Finance/Accounting

Job description

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Quercus Valley Holding Limited – Auckland, North Island

Quercus Valley Holding Limited is an Auckland-based financial services company established in 2018 and registered as a New Zealand Financial Service Provider. We focus on non-bank lending, property-backed finance, property syndicates, and project-based capital solutions, supporting residential, commercial, industrial, agricultural, and development-related opportunities across New Zealand.

As we continue to grow our loan book and expand our market presence, we are committed to maintaining the highest standards of financial integrity, risk management, and regulatory compliance. We are now seeking an experiencedInternal Auditorto join our team and strengthen our internal control and risk assurance framework.

We are seeking an experiencedInternal Auditorto examine, verify, evaluate and report on our financial, operational and managerial processes, ensuring financial and operational integrity, regulatory compliance, and robust risk management across all lending activities.

Reporting to senior management, you will take ownership of internal audit functions across our non-bank lending operations, including first and second mortgage portfolios, property syndicates, and project-based capital solutions. You will assist in business process reviews, risk assessments, developing audit deliverables, and reporting progress against outcomes.

This is a pivotal role in a growing financial services business, offering the opportunity to shape and enhance internal controls, mitigate financial and operational risks, and contribute directly to the company's long-term stability and growth.

Key Responsibilities

• Internal Audit & Compliance : Examine, verify and evaluate financial, operational and managerial processes, systems and outcomes to ensure financial and operational integrity and compliance with relevant legislation, regulatory requirements, and internal policies;
• Risk Assessment & Management : Identify, assess and report on financial and operational risks across the lending portfolio — including first and second mortgage lending, property syndicates, and project-based capital solutions; establish and review risk management objectives and internal control systems;
• Business Process Reviews : Conduct systematic reviews of operational processes, activities, policies and systems to evaluate cost effectiveness, efficiency, and risk exposure;
• Internal Controls Evaluation : Report to management on the existence and effectiveness of the system of internal controls, identifying control gaps and recommending remedial actions;
• Audit Methodology & Reporting : Establish audit objectives, design and implement audit methodologies, processes and audit report criteria; prepare comprehensive audit reports for management and governing bodies;
• Loan Portfolio Assurance : Review loan origination, underwriting, servicing and recovery processes to ensure adherence to credit policies and regulatory requirements; assess the adequacy of provisions and impairment assessments;
• Data Collection & Analysis : Collect, analyse and interpret information on the financial standing, cost structures and operational effectiveness of the organisation;
• Regulatory Compliance : Advise management on matters concerning compliance with relevant legislation, financial services regulations, and industry practice;
• Treasury & Financial Risk : Assist with identifying, managing and reporting on financial risks, including liquidity, interest rate, and credit risk exposures;
• Budgetary & Accounting Systems : Assist in devising, reorganising and establishing budgetary cost control and other accounting systems.

About You

You are a detail-oriented audit professional with a strong background in financial services risk management, compliance, or internal audit. You thrive in a dynamic environment and have a practical understanding of non-bank lending, property finance, and regulatory compliance in New Zealand's financial services sector.

• Bachelor's degree or higher qualification in Business Administration, Finance, Accounting, Economics, or a related field;
• OR at least 5 years of relevant full-time work experience in financial services risk management, credit risk, internal audit, or compliance;
• Proven experience in financial services, preferably in banking, non-bank lending, or property finance;
• Demonstrated experience in risk assessment, internal control evaluation, and business process review;
• Strong understanding of credit risk, loan portfolio management, and regulatory compliance frameworks;
• Excellent analytical and problem-solving skills with high attention to detail;
• Strong written and verbal communication skills in both English and Mandarin (native or near-native Mandarin proficiency required to effectively liaise with Chinese-speaking stakeholders and review documentation);
• Proficiency in audit methodologies, financial analysis, and reporting.
• Experience in non-bank lending, mortgage finance, or property syndicates;
• Knowledge of New Zealand financial services regulations and FSP compliance requirements;
• Experience with first and second mortgage lending processes;
• Professional certifications (e.g., CIA, CPA, CA, or equivalent) are advantageous but not required;
• Experience in credit risk management, asset recovery, or loan restructuring.

Personal Attributes

• Strategic thinker with strong analytical and critical reasoning skills;
• High level of integrity and professional ethics;
• Ability to work independently and manage multiple audit assignments simultaneously;
• Strong interpersonal skills with the ability to advise and influence senior management;
• Results-driven with a focus on measurable outcomes and continuous improvement.

What We Offer

• A key role in a growing Auckland-based financial services company;
• Opportunity to shape and enhance the internal audit and risk management framework;
• Competitive remuneration commensurate with experience;
• A collaborative and professional team environment;
• Exposure to diverse lending portfolios and property finance transactions.