Home Lending Officer – Tamworth (Aboriginal and Torres Strait Islander applicants are encouraged to apply)

Position no 4122
Level IBA Level 3 ($70,533 – $76,638)
Location Tamworth
Program Housing Solutions
Section Housing Solutions
Duration Ongoing
Contact Stephen Duncan on 03 9920 6009 or email
Closing date 30 September 2019
Applications How to apply for this role


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 Homes 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.


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.


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

  • 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
  • manage the operations of the office in the Managers absence
  • undertaking customer promotion and follow up in the office catchment area
  • actively participating in staff training and career development activities
  • other duties as required.

Required capabilities (selection criteria)

These are essential unless otherwise indicated:

Knowledge and experience

  • Good knowledge of and experience in:
    • Home or business lending (or other pertinent experience)
    • Credit analysis
    • Financial assessments.
  • 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.
  • Demonstrated ability to apply sound judgement when following debt recovery procedures and processes.
  • Demonstrated capacity to construct informative, concise submissions, reports and correspondence.
  • Ability to work effectively as a team member, also demonstrated ability to manage staff member for short periods.
  • 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.

Reference documentation

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