Microfinance Officer - No Interest Loans Progam

Microfinance Officer – No Interest Loans Program

SHAC (Shelter Housing Action Cairns)
Location: Cairns
Employment type: full-time
Salary: $80K - $83K per annum

Aboriginal and Torres Strait Islander people are encouraged to apply

Help people build a more secure future

SHAC’s vision is to eliminate homelessness. Our purpose is to support people on their path to a secure future. We have been doing this for more than 30 years by providing temporary accommodation with support, mobile support services and financial inclusion services to assist people to move to secure housing and achieve long term financial security. We value respect, integrity, inclusion and social justice.

We are seeking a values-driven Microfinance Officer for SHAC’s no-interest loans program. This is an opportunity to use your financial expertise to make a practical difference in the lives of people experiencing financial hardship, housing stress and disadvantage.

Reporting to the Service Delivery Manager, you will work collaboratively with the small microfinance team, SHAC staff and partner agencies to achieve high-quality, sustainable outcomes for clients.

About the role

In this role, you will:

- Receive and assess referrals for access to no-interest loans.
- Conduct client loan interviews and review loan applications accurately and promptly.
- Establish and monitor repayment plans, including managing defaults in accordance with program principles and requirements.
- Source goods to be acquired through loans where required.
- Refer clients to financial counsellors and other appropriate financial support services.
- Complete accurate data entry, loan administration, reporting and record keeping.




- Liaise with partner agencies to achieve positive client outcomes.
- Contribute to continuous improvement and the delivery of high-quality, client-centred services.
- Represent SHAC professionally when working with clients, stakeholders, organisations and the wider community.

About you

You will bring:

- Relevant experience in accounts, banking, loans or a related field.
- Strong interpersonal and communication skills, with the ability to engage respectfully and effectively with people from diverse backgrounds.
- Sound judgement, problem-solving ability and a high level of attention to detail.
- Strong organisational and time-management skills, including the ability to prioritise, manage competing tasks and work under pressure.
- High computer literacy, including experience with databases, reporting systems and accurate data entry.
- A commitment to confidentiality, professional integrity and high-quality client service.
- An understanding of Aboriginal and Torres Strait Islander peoples and their experiences of poverty and financial exclusion.
- Personal alignment with SHAC’s vision, purpose and values, including a strong commitment to social justice.
- Working with Children Clearance (Blue Card), or the ability to obtain one.

Why work with SHAC?

You will join a diverse and supportive team who make a difference to the lives of people we work with. Benefits of working at SHAC include:

- Salary sacrifice options
- Flexible working conditions
- Christmas LeaveIndividual Care Days (five per year)

SHAC is committed to creating an inclusive and protected organisation. We encourage applications from people with diverse backgrounds, experiences and perspectives, including Aboriginal and Torres Strait Islander peoples and people with lived experience of homelessness, housing stress or financial hardship.

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📌 Microfinance Officer - No Interest Loans Progam (Cairns North)
🏢 Shelter Housing Action Cairns
📍 Cairns North