Schedule: Monday to Friday, AU Shift (9:00 AM – 6:00 PM Sydney Time / 7:00 AM – 4:00 PM Manila Time)
Position Type: Full-time (Remote)
Industry: Financial Services / SME Lending / Fintech
Reports To: Operations Leadership

About Our Client

Our client is a fast-growing, disruptive private lending company transforming access to capital for small and medium-sized enterprises (SMEs) across Australia. With a market-leading promise of approval and funding within two hours, a 90% approval rate, and rapid growth, they are scaling quickly and need a high-caliber Senior Underwriter to take ownership of credit assessments and help maintain their reputation for speed and quality.

About the Role

We are seeking a senior, performance-driven Senior Underwriter to take full accountability for credit underwriting quality, decision accuracy, and turnaround times. This is a senior individual contributor role—you will be hands-on with complex files, set the standard for assessment quality, and serve as a trusted reference point for the wider underwriting team. There is potential to step into a lead capacity as the team grows, but this is first and foremost an underwriting role.

You will work closely with operations leadership to ensure applications are assessed efficiently, quality controls are upheld, and credit risk is managed to protect portfolio health. Your focus will be on application completeness, processing speed, and credit risk mitigation.

Key Responsibilities

• Credit Underwriting & Decision Quality

  • Take full ownership of complex and high-value credit assessments, applying expert judgment to financial statements, bank statements, and credit risk factors.

     

  • Ensure every complete application receives an initial decision within 24 hours and that no application remains undecided for more than five business days.

     

  • Maintain high standards of assessment quality, minimizing portfolio defaults and upholding credit policy.

• Queue Ownership & Turnaround

• • Own the end-to-end application queue, ensuring same-day funding coverage and rapid turnaround on complete files.

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    Keep the pending application queue below 5% of monthly assessment volume.

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    Ensure every pending file carries a clear written reason and a defined next step.

• Quality Control & Risk Mitigation

  • Conduct regular quality checks on financial assessments, bank statement analyses, and final underwriting reviews.
  • Identify credit risks early and escalate operational concerns to operations leadership where appropriate.

• Reporting & Escalation

  • Track and report critical underwriting metrics, such as decline ratios, assessment turnaround times, and file accuracy.
    Escalate risks and bottlenecks to operations leadership early, with clear recommendations.

• Cross-Functional Collaboration

  • Partner with sales and front-office teams to ensure only complete, qualified applications passing initial credit filters are passed to underwriting.
    Support the wider team as a senior reference point—sharing knowledge, reviewing complex cases, and helping maintain consistent assessment standards.

• Process Improvement

  • Identify bottlenecks in underwriting workflows and recommend practical improvements.

  • Contribute to standardized coverage and cut-off times to handle volume spikes seamlessly.

 

Requirements (Non-Negotiable)

• Industry Experience: Proven senior underwriting or credit operations experience within commercial finance, FinTech, merchant cash advances (MCA), or business lending.

• Analytical Expertise: Expert-level proficiency in financial statement analysis, bank statement review, and credit risk assessment.

• Decision Quality: Strong judgment on credit risk, with a track record of making sound underwriting decisions at speed.

• Operational Discipline: Comfortable working within structured AU business hours to hit daily processing and quality targets.

• Senior Presence: Capable of acting as a senior reference point for the team—without necessarily holding a formal management title.

• Potential to Lead: While this is an individual contributor role, the right candidate may grow into a lead capacity as the team scales.

Preferred (Strong Advantage)

• Experience in private lending, SME finance, or short-term business lending.

• Familiarity with Australian lending regulations or compliance standards.

• Experience reviewing high-volume, fast-turnaround applications.

• Background in quality assurance or credit policy development.

• Exposure to loan management software, CRMs, or underwriting platforms.

The Ideal Candidate (Mindset & Attributes)

• Hands-On Expert: You love the work itself—analyzing financials, assessing risk, and making sound credit decisions. You are not looking to manage people; you are looking to be excellent at your craft.

• Decisive: You make clear, defensible underwriting decisions quickly, and you stand by them.

• Detail-Obsessed: You spot inconsistencies in financial statements and bank records that others miss.

• Accountable: You own your queue and your decisions. You don't pass problems on without a clear reason and next step.

• Collaborative: You work well with sales, operations, and leadership—without needing a title to have influence.

• Resilient: You thrive in a fast-paced, high-volume environment where speed and quality both matter.

 

What Success Looks Like

Success in this role is defined by measurable underwriting outcomes. You will know you are succeeding when:

• Turnaround Targets Are Met: Complete applications receive an initial decision within 24 hours, and no file sits undecided for more than five business days.

• Queue Is Controlled: The pending application queue stays below 5% of monthly assessment volume, with clear reasons and next steps on every pending file.

• Decision Quality Is High: Assessment accuracy is strong, portfolio defaults are minimized, and credit policy is consistently upheld.

• Escalations Are Clear and Timely: Risks and bottlenecks are raised early with practical recommendations.

• Cross-Functional Workflow Is Smooth: Only complete, qualified applications reach underwriting, reducing wasted effort and delays.

• You Are a Trusted Reference Point: Colleagues come to you for guidance on complex files, and your judgment is respected.

• Processes Improve: You identify and help implement practical improvements to underwriting workflows.

• You Own Your Work End-to-End: Your queue is organized, your decisions are documented, and your output is reliable.

Why This Role Stands Out

• Senior Individual Contributor Role: Be excellent at your craft without the burden of people management.

   

• High Impact: Your decisions directly affect how quickly SMEs get funded—and how healthy the portfolio remains.

   

• Fast-Paced Environment: Work in a high-growth fintech where speed and quality are both valued.

   

• Path to Lead: For the right person, there is potential to grow into a lead capacity as the team scales.

   

• Remote Flexibility: Work from home with fixed AU daytime hours (no graveyard shifts).

  Competitive Compensation: We pay top rates for top-caliber underwriting talent.