Head of Credit

Job Description

Position Title: Head of Credit

Sydney CBD

MKM offers choice and flexibility through our team of experienced lending professionals, innovative
mortgage products and competitive pricing with all applications and scenarios assessed on their own
merits.

As part the MA Financial Group, MKM has the support to further access the residential mortgage
market where there are significant tailwinds to support growth of both the MKM loan book and MA
Financial Group’s ability to provide funding solutions to continue to grow across the market.

We understand the relevance of individual circumstances. We recognise that not all borrowers’
mortgages need fit the same criteria. MKM aims to improve the financial position of our customers
and has helped thousands of Australian households and businesses realise their true financial
potential.

When it comes to our team, we place equal importance on personal qualities and technical ability and
provide continuous learning opportunities to help our people make their ambitions reality.

At MKM, you’ll experience:

• Career growth and development opportunities
• Focus on building an inclusive and diverse workplace
• Great Sydney office location and the tools to succeed
• Collaborative environment
• Rewards and celebrations for key achievements

What we are looking for in you:

• A passion for teamwork and collaboration
• A willingness to challenge the status quo
• Have a ‘whatever it takes to get the job done right’ attitude
• To thrive and grow in a fast-paced Agile environment
• You have 10+ years experience in the financial services / non-bank lending industry
• Experience working in a fast paced environment
• Experience managing a pipeline of clients with multiple tasks & deadlines
• Professional, organised, able to work autonomously
• Be driven and self-motivated to exceed targets and strive for excellence

Head of Credit

• You have a high degree of competency in computer and web applications
• You have excellent written, oral and interpersonal communication skills
• Attention to detail with excellent customer service knowledge
• You will have strong stakeholder management skills as it is important to build and maintain strong
  working relationships with the internal and external stakeholders
• Your proven analytical skills will be complimented by your ability to thrive in a fast paced and
  demanding environment
• Ability to interpret financial statements, and have a solid ability to assess risk, while navigating
  commercial outcomes and thinking strategically
• Experience in any one of the following fields; accounting, cash flow lending, property-backed
  lending or other real estate experience
• Identify and provide solutions within credit policy/procedures
• Lead and participate in credit process improvement initiatives to meet key operational business
  needs
• Lead continuous improvement within the business by identifying opportunities to improve
  processes or adjust risk appetite settings

What will you be doing:

The purpose of the role is to lead and collaboratively with a team of senior credit signatories and
business stakeholders to structure and approve transactions. You will analyse and approve new and
existing loan appliations, whilst working with business stakeholders to deliver commercial outcomes
and efficient turnarounds. This role will also have you actively involved in initiatives to develop policy
and enhance the overall credit risk framework.

Naturally, you will possess strong organisational skills and attention to detail, coupled with your ability
to multi-task and liaise with various stakeholders. Your proven analytical skills will be complimented
by your ability to thrive in a fast paced and demanding environment.

This role will suit you if you are curious, driven and have a growth mindset with a desire to learn. You
will display resilience and the ability to defend your view. Main responsibilities include, but are not
limited to:

• Lead and manage the Credit team and provide timely turnaround of all applications within agreed
  time frames and service level agreements
• Act as a leader in the company
• Provide training and mentorship to jthe Credit team and junior credit analysts
• Lead and manage the assessment of home loans applications within the credit risk appetite and
  decision applications within your delegated lending authority
• Manage a pipeline of applications taking the customer on a seamless journey from Application
  through to Unconditional Approval
• Ensure all risk and compliance standards are maintained
• Meet the quality and performance expectations set out for the role
• Support your colleagues and contribute to the performance of your team and leadership team
• Bring positivity, energy and flexibility to help create a great culture
• Meet the risk, compliance and quality requirements

Head of Credit

• Be able to work autonomously and demonstrate attention to detail, including having strong data
  entry
• Have the ability to work effectively in a high-pressure environment whilst also adding to the
  culture – a fun, energised, dynamic start up environment

This is a results-driven environment, with opportunities to develop your skills and experience in the
non-bank lending industry and play your part in sustaining and growing our business. This is
anexciting time to be part of our talented team. Enjoy the benefits of being part of a cohesive and
passionate team with modern offices in Sydney.

Do you want to join our growth story?

Apply now with your CV and a little bit about yourself.

MKM is committed to creating an inclusive and respectful workplace for all employees. Differences
are embraced, contributions are valued, and everyone has a sense of connection and belonging. We
welcome people with diverse skills, experiences, perspectives and backgrounds and encourage
applications from Aboriginal or Torres Strait Islander peoples, and individuals who may identify as
LGBTIQ, with disability, a culturally diverse background, and people of all ages.
Please note – All applicants must be willing to undertake recruitment and compliance process which
includes providing 5 years’ worth of employment history, background and National Police Checks.