Credit Underwriter (6-month contract)

Brighter Together Our mission is to make consumer energy resources (CER) affordable and accessible for everyone Brighte is building the platform to enable and accelerate the energy transition by making it affordable, easy and less risky to buy and sell energy equipment Our founder and CEO, Katherine McConnell, has been awarded Telstra Business Woman of the year in 2020 as well as winning the Sustainability Crusader award at B&T's 2023 Women Leading Tech Awards. She is a passionate and humble leader who has a human first approach to business As a business we have been awarded AFR Sustainability Leader in the Banking and Finance category and won the inaugural Sustainability Award at the Affies! About the Role As Credit Underwriter, you'll be responsible for evaluating financial information and risks as well as making decisions on loan grants of unsecured consumer credit applications (regulated & unregulated) This is a 6-month contract due to start ASAP. This contract may have the opportunity to be extended.

About the Role

• Assess credit applications with delegated underwriting authority in accordance with Company policies and within the commercial risk environment
• Manage all aspects of the credit underwriting process within delegated lending authority – including verifying application data, analysing credit reports, and property searches.
• Provide sound, high-quality recommendations to management on complex deals
• Assess and review the credit and fraud risk of customer applications and ensure applications are compliant
• Manage daily workflow for credit analysis to ensure all SLA’s are adhered to
• Act as a point of escalation between sales and application’s team
• Increase the efficiency and accuracy of our processes through automation and assist in drafting risk policies
• Support the Senior Manager of Credit & Lending Operations in relation to any project or ad hoc matters

What You'll Bring

• Sound experience with credit in financial services
• Lending delegation experience is essential to your success in this role
• You have had exposure to stages of the credit approval process including customer engagement
• You bring an analytical mindset and confident in your decision-making skills
• You have the ability to identify opportunities with a focus on continuous improvement
• Ability with your direct and wider team and manage expectations of internal and external stakeholders
• Demonstrated understanding of implications for working within a regulated environment
• You are cool, calm, collected and adept at managing competing priorities
• Understanding of relevant regulatory legislation under the Australian Securities and Investments Commission Act (2001) (ASIC Act), Competition and Consumer Act, The Anti-Money Laundering, and Counter-Terrorism Financing Act and Privacy Act; and National Consumer Credit Protection Act as well as Australian Privacy Principles

What's in it for you?

• Flexible working arrangements to suit individual needs and a hybrid work model. Our office is designed for collaboration, creativity and balance between office engagement and remote flexibility. Our in-office days are Monday through Thursday (4 days), with Friday as a remote day.
• Free lunch! Yes, there is such a thing! Kickstart your week with our Monday Mingle meaning lunch on us and great company. From tacos, to sushi, to charcoal chicken, it's a delicious way to catch up, unwind and connect.
• Get social. We host a range of social activities at Brighte. A fan-favorite being our weekly Thursday social event, where you can catch up with colleagues over a drink, snack and a game of table tennis.
• Snacks galore – who doesn’t love that? Our thoughtfully stocked pantry includes snacks to suit your every mood. Fresh bread, protein bars, popcorn, fresh fruit, chocolate, soy crisps, cookies – you name it! We also offer a carefully curated collection of wines and beer on tap for those looking to unwind or enjoy a social moment.
• End-of-trip facilities. Cycle in to work, lock up your wheels and have a shower in our end-of-trip facilities, which come complete with towel service and hair dryers.

Diversity and Inclusion At Brighte, we celebrate diversity and encourage you to bring your whole self to work. Our inclusive culture is the foundation of our innovative and dynamic environment Named LinkedIn’s #10 Top Australian Start Up (2021), we know we wouldn’t be anywhere without our investors, who believe in oaur mission and the opportunities that lie ahead for a brighter future Airtree Ventures, Grok Investments, Kim Jackson and Scott Farquhar’s Skip Capital, and Qualgro Partners all continue to support Brighte in making this dream a reality! If you want to join this mission-driven, inclusive, and highly collaborative team, click apply and upload your resume! All applicants will receive a response As part of our process, we require all candidates to undertake references and background checks, which include a police check, anti-money laundering and bankruptcy checks.