Role Purpose:

To assess both individual (consumer) and business (SME/Commercial) credit applications. This hybrid role focuses on retail products (mortgages, personal loans, credit cards) and small commercial facilities (up to $1M), ensuring rapid turnaround times without compromising asset quality.

Key Responsibilities:

Consumer Credit: Underwrite personal loans, auto loans, home mortgages, and credit cards using credit bureau reports (e.g., Equifax, Experian), debt-to-income (DTI) ratios, and affordability models.

Commercial Credit (Small Business): Analyze business tax returns, bank statements, and cash flow for sole proprietorships and partnerships. Assess facilities up to $500k.

Scorecard Overrides: Use automated credit scoring systems (FICO, internal scorecards) and provide justified overrides when manual review is required.

Income Verification: Validate income via payslips, audited accounts, or third-party verification tools. Detect fraudulent documentation.

Policy Adherence: Apply risk-based pricing, collateral valuation (LTV), and guarantor assessment.

Turnaround Time (TAT): Maintain TAT of 24-48 hours for consumer apps and 3-5 days for commercial apps.

Qualifications & Experience:

Degree in Business or Finance.

2–4 years experience in Consumer or SME credit underwriting.

Knowledge of lending regulations (e.g., TILA, ECOA, or local equivalent).

Competencies:

Balance of speed vs. quality.

Customer service mindset (working with RMs).

Familiarity with credit scoring systems.

• Underwrite personal loans, auto loans, home mortgages, and credit cards using credit bureau reports (e.g., Equifax, Experian), debt-to-income (DTI) ratios, and affordability models.
• Analyze business tax returns, bank statements, and cash flow for sole proprietorships and partnerships. Assess facilities up to $500k.
• Use automated credit scoring systems (FICO, internal scorecards) and provide justified overrides when manual review is required.
• Validate income via payslips, audited accounts, or third-party verification tools. Detect fraudulent documentation.
• Apply risk-based pricing, collateral valuation (LTV), and guarantor assessment.
• Maintain TAT of 24-48 hours for consumer apps and 3-5 days for commercial apps.

• Balance of speed vs. quality.
• Customer service mindset (working with RMs).
• Familiarity with credit scoring systems.

• Degree in Business or Finance.
• Knowledge of lending regulations (e.g., TILA, ECOA, or local equivalent).