Mortgage Underwriter

At Ubank, we help the digital generation get ahead financially. We’re your everyday money companion, bringing your accounts together with smart tools, real‑time insights, and features that help you save, spend wisely, and reach home ownership sooner.

You are passionate about the financial services industry stepping up the value to customers and believe it starts with ensuring Ubank’s operations are conducted within the limits prescribed by law, and that ubank rights are fully protected through the provision of counsel and guidance on legal, regulatory and compliance matters.

As an Underwriter you will participate in the life-cycle management of Ubank’s Home Loan portfolio. You will provide subject matter expertise to the Lending Assessment team and ensure that all applications are actioned within ubank’s Risk Appetite, including assessment and approval within a delegated lending authority.

Key Responsibilities

Decisioning

• Reviewing details of customers’ financial position for Home Loan applications to ensure that the categorisation and analysis is reliable and meets business and regulatory requirements.
• Ensure that lending products offered to applicants are not unsuitable and meet all ubank lending criteria and policy requirements.
• Decisioning applications received within your Delegated Lending Authority and making recommendations for applications outside your approval authority.
• Administration - ensure all conditions have been met on the loan file prior to sending to settlement officer
• Act as point of contact between Third Party Brokers, bankers and direct to bank customers as per application channels.
• Work closely with acquisition teams to provide exceptional customer service and deliver serviced based excellence.

Continuous Improvement

• Develop own capability and sharing knowledge to cross train other team members
• Completion of continuous professional development each year.

Customer

• A focus on minimising the time to unconditional for our customers.
• Deliver a great customer experience and grow customer advocacy

Risk and Compliance

• Ensure adherence to relevant compliance and regulatory requirements.

Communicate potential risks to ensure compliance. Quality

• Contribute to the ongoing development and delivery of the Quality framework to appropriately meet business needs.

Your Experience

Essential

• Good business planning, analytical and conceptual skills
• Appropriate tertiary qualification in Business studies or equivalent
• 3+ years retail lending industry experience
• Banking or financial services experience is a must
• Effective communication skills, both written and oral
• Be a team player
• Attention to detail, with strong organisation and problem-solving skills.
• Strong stakeholder management skills.
• Strong pipeline management skills
• Previously held a DCA/DLA with demonstratable knowledge in lending and decisioning of applications.

Desirable

• Sound knowledge of industry obligations
• Data Action system experience
• Dynamic CRM system knowledge
• Skills with Jira & Confluence
• Experience in Active Ops Management

Why Ubank?

• Innovation with impact: From meaningful work to amazing benefits, we equip you with the tools and support to drive real change - so your ideas don’t just stay ideas, they become impact.
• Collaborative, supportive & fun: We believe innovation is a team sport. It comes from a special kind of culture that’s highly collaborative and gives people the support they need to thrive.
• Build something great: Ubank is where ambition meets opportunity. We don’t just talk about change - we give you the tools, trust, and support to make it happen.
• Freedom to be yourself: We celebrate individuality and give you the flexibility to work in ways that suit your style. Our hybrid working model lets you balance connection and autonomy.
• Accelerate your Career: With clear paths for career development, your potential won’t just be recognised, it’ll be accelerated.

We acknowledge the Traditional Custodians of our local area.

This Sydney-based permanent role requires Australian or New Zealand citizenship or permanent residency.

We welcome applicants of all backgrounds, and our Talent team is excited to connect with you.

Apply now with your CV and explore this exciting opportunity!