Personal Lending Consultant

At RACQ, we’re good people doing good things, making a positive impact every day, with opportunities to learn, grow, and be more.

The Personal Lending Consultant position engages with our members and prospective members to provide outstanding lending and banking outcomes within the Personal Lending Team and is primarily responsible for covering personal lending leads to funding. This position will build and maintain an active lending pipeline in line with performance goals and will demonstrate a commitment to member retention by identifying opportunities to create value for the member.

Key Responsibilities:

· Assesses and validate loan applications, utilising a risk-based approach to ensure compliance with RACQ Bank's lending products, securities, systems, policies, and procedures to ensure high-quality loan submissions and emphasises first-time-right commitment to maximising loan quality.

· Maintain an understanding of RACQ Bank lending products, securities, systems, policies, procedures, and complementary products and applies this knowledge confidently in loan processing.

· Manage the member relationship ensuring timely and transparent communication to provide an outstanding member experience.

· Identify opportunities to create value for members and demonstrates a commitment to member retention

Complete credit validation assessments in accordance with the bank’s credit guidelines, ensuring that the member meets all lending guidelines, including serviceability, to maintain accuracy and quality assurance.

· Builds and maintains an active lending pipeline with end-to-endmember resolution of application submitted.

· Continuously improve relevant technical knowledge of RACQ Bank loan systems and processes to maintain accuracy and quality assurance.

About you:

· Demonstrates problem-solving abilities, critical analysis and interpretation of data in diverse situations while maintaining a strong compliance orientation.

· Excellent organisational and prioritisation skills.

· A supportive and engaging customer service attitude and the ability to build rapport and resolve conflicts enhance effective communication with customers.

· Exhibits high attention to detail

· Demonstrates a strong ability to read, analyse and communicate written and verbal information

Why join RACQ?

It is an exciting time to be part of RACQ as we continue our transformation towards better, smarter solutions that deliver more security and prosperity for Queenslanders. We are big enough to make a real difference in our community, yet small enough to nurture your professional and personal development.

By joining RACQ, you’ll be part of new sustainability initiatives, including a commitment to being a carbon neutral organisation by 2032. We’ve invested in and partnered with sustainable companies, including the introduction home solar and batteries, Green Home and Car Loans, and many other products and initiatives.  We’ll continue to advocate for, research, and offer green solutions.

RACQ is committed to ensuring that every employee has access to flexibility in their role. We encourage all candidates to discuss what flexibility means to you, and how we can help you find your balance.

At RACQ we are passionate about building a diverse and inclusive workplace to create better outcomes for our employees and our members. We aim for our teams to be a true reflection of our communities and are committed to inclusion particularly people of Aboriginal and Torres Strait Islander heritage, and those who may experience diversity or disability related barriers in securing employment. Applicants from these and other diverse backgrounds are encouraged to apply. If you have any support or access requirement, please advise us at the time of applying.

What we offer you:

At RACQ, we want you to succeed in work and life and feel supported to do good stuff daily. Whoever you are, wherever you’re from. Some of the good stuff our people have access to include:

Our employee benefits are designed to enrich your work life, your home and the community you live in, some of these include:

• Financial benefits and discounts on a range of banking, assistance and insurance products
• Give back to our communities with paid volunteer leave, payroll giving and volunteering for community events such as MotorFest.
• A range of flexible working and leave options, parental leave of 13 weeks primary carer leave, purchased leave up to 4 weeks per year, cultural observance leave, substitution of public holidays for cultural/religious reasons, personal leave for wellbeing, gender affirmation leave.
• Prioritise your wellbeing with discounts on health programs and access to wellbeing initiatives such annual flu vaccinations, corporate health insurance offer and free and confidential Employee Assistance Program (EAP). 
• Invest in your development with in-house development programs and access to an extensive digital learning platform.

You can check out all our employee benefits at https://www.racq.com.au/about-us/careers/employee-benefits

Ready to apply to do good stuff daily?

Please Note: to objectively and comprehensively assess your potential and suitability for the role, RACQ may require you to complete video interviews, psychometric assessments and/or criminal history check as part of the application process. If you require any adjustments during the application process, please advise the RACQ Careers team.

Questions? Please contact *******@racq.com.au or visit www.racq.com.au/about/careers/our-recruitment-process