Home Lending Officer (Affirmative Measures)

Position no 4153
Level IBA level 3 ($69,150 – $75,135) Affirmative Measures
Location Townsville
Program Housing Solutions
Section Network
Duration Ongoing
Contact Nyree Gertz or email
Closing date 10 December 2018
Applications How to apply for this role

Context

Indigenous Business Australia is a unique organisation that promotes and encourages self-management, self-sufficiency and economic independence for Aboriginal and Torres Strait Islander people.
Established under the Aboriginal and Torres Strait Islander Act 2005, IBA’s programs provide the means for Indigenous Australians to create wealth and accumulate assets, take up investment opportunities, create business enterprises that provide additional employment opportunities, and to purchase homes.
It achieves these outcomes by applying a commercial focus, and by building mutually respectful and productive partnerships with Indigenous Australians, government, non-government and private sector organisations.

The Housing Solutions Program assists Aboriginal and Torres Strait Islander peoples to participate in home ownership through its Indigenous Home Ownership (IHO) program. The program provides a range of housing loans and related assistance measures through IBA’s national network of Service Delivery Units.

Role

A Home Lending Officer works in a small team in an IBA office located in a capital city or regional centre. Home Lending Officers interact regularly with IBA’s Aboriginal and Torres Strait Islander housing loan applicants, existing borrowers and its external service providers.

The position reports to the Manager Home Lending or Manager Home Lending and Credit Assessment.

Duties

Duties: The Home Lending Officer’s duties include, but are not limited to:

• handling initial housing loan enquiries
• responding to customer enquiries
• undertaking client interviews and preparing of customer correspondence
• analysis of customers’ borrowing capacity and housing requirements, including those experiencing hardship/situations that are impacting on their capacity to make loan repayments
• assessing an applicant’s eligibility for an IBA housing loan
• preparing loan submissions for approval
• following up on lending administration and customer after care
• undertaking customer promotion and follow up in the office catchment area
• actively participating in staff training and career development activities
• assisting with administrative activities and other duties as required.

Required capabilities (selection criteria)

These are essential unless otherwise indicated.

Knowledge and experience
• Good knowledge and experience in:
o Home or business lending (or other pertinent experience)
o Credit analysis
o Financial assessments.
o Office administration
• Ability to undertake promotional activities.
• Proficient in the use of computer based applications, including standard Microsoft applications.

Skills and attributes
• Demonstrated ability to analyse a customer’s eligibility for loan products and services and develop well considered loan scenarios and submissions.
• Well-developed oral and written communication skills including supportive interaction with customers through all stages of the lending process and loan aftercare.
• Ability to work effectively as a team member, and under limited supervision when necessary, and having flexibility to adapt to changing priorities and demands.
• Cultural capability and ability to communicate sensitively and effectively with Aboriginal and Torres Strait Islander peoples in carrying out the duties of the position.

Prerequisite requirements
• Current driver’s licence.
• Willingness and ability to undertake customer visitation and promotional activities that may involve absences of up to 5 consecutive nights.

This position is being advertised under provisions of the Racial Discrimination Act 1975 that enable affirmative measures to identify particular opportunities as open only to Aboriginal and Torres Strait Islander applicants.

Reference documentation

  • www.iba.gov.au
    • About Us – Our Values
    • Careers – Working at IBA
    • About Us – News and Publications – Annual Reports
    • Home Ownership
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