Funding.com.au is one of Australia's leading FinTech non-bank lenders, providing short-term mortgage and development finance solutions nationwide. Founded in ****, we operate a digital marketplace that connects borrowers with secured private capital. We specialise in residential, bridging and development loans up to $20 million, delivering fast, flexible lending solutions where traditional banks cannot. With our Head Office based on the Gold Coast, we are a fast-growing, high-performance team committed to delivering exceptional service and strong risk management outcomes.
About the Role
We are seeking a commercially minded Credit Officer to join our Finance team. This role is responsible for assessing, structuring and recommending mortgage and development loan applications in accordance with internal credit policy and risk appetite. You will work closely with brokers, borrowers, valuers, solicitors and internal stakeholders to ensure effective deal flow from initial enquiry through to formal approval.
Responsibilities
Assess residential, bridging and development loan applications (up to $20M)
Analyse financial statements, servicing position and borrower capacity
Review and interpret valuation reports and supporting documentation
Assess security position, LVR, exit strategy and overall transaction risk
Prepare clear and concise credit submissions and recommendations
Liaise with brokers, borrowers and professional advisors throughout the application process
Ensure compliance with internal credit policy and lending parameters
Manage workflow, inbox and application pipeline efficiently
Support continuous improvement of credit processes and documentation standards
Qualifications
Minimum 1+ years' experience in credit assessment (bank or non-bank preferred)
Required Skills
Strong understanding of mortgage lending fundamentals
Sound analytical and risk assessment capability
High attention to detail
Strong written and verbal communication skills
Ability to manage multiple applications simultaneously
Proficient in Microsoft Office (Excel, Word, Outlook)
Ability to work both independently and collaboratively within a team
Preferred Skills
Experience in development or construction finance
Exposure to non-bank or private lending environments
Understanding of short-term lending products
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