Amber Smith

Experienced compliance, credit assessment and lending professional with over 10 years of experience across financial services, mortgage lending, credit operations, risk management and customer service. Skilled in serviceability assessment, credit analysis, lender policy interpretation, responsible lending obligations and regulatory compliance. Proven ability to work independently in remote environments while delivering high-quality customer outcomes and maintaining strict compliance standards.

Research Analyst (Mortgage Broker Support) at Peasy (2025-10 – 2026-06)

• Assessed residential mortgage applications including owner-occupied home loans, refinances and investment property lending.
• Conducted detailed serviceability assessments by reviewing income, liabilities, living expenses, credit reports and supporting financial documentation.
• Researched lender policies across a broad panel of lenders to identify suitable lending solutions aligned with client circumstances and objectives.
• Prepared comprehensive lender comparisons and tailored loan recommendations.
• Presented lending options directly to clients, explaining product features, costs, borrowing capacity and suitability.
• Utilised Quickli and Flex to model borrowing capacity and assess serviceability scenarios.
• Reviewed credit reports through Equifax and illion to identify risks and support lending recommendations.
• Ordered residential property valuations through Cotality (formerly CoreLogic) to support lending assessments and application progression.
• Prepared and submitted pricing and interest rate discount requests with a range of lenders to achieve competitive outcomes for clients.
• Liaised with clients, brokers and lenders to obtain documentation and progress loan applications efficiently.
• Maintained compliance with responsible lending obligations, lender requirements and internal procedures.

Senior Compliance Officer / Credit Assessment Officer at ACL GROUP (2014-08 – 2025-01)

• Provided operational support across compliance, credit assessment, collections and settlements functions.
• Identified, investigated and documented compliance breaches and operational risks.
• Conducted compliance reviews and implemented corrective actions where required.
• Assisted with onboarding and training compliance and credit staff.
• Supported management through performance reporting and quality assurance reviews.
• Developed and implemented assessment processes to support compliance with legislative and regulatory requirements.
• Conducted reviews of company records and registers to ensure regulatory compliance.
• Assisted in investigations relating to systemic issues identified by regulators and stakeholders.
• Evaluated suspicious activity and prepared Suspicious Matter Reports for AUSTRAC.
• Liaised with external stakeholders including ASIC, AUSTRAC, AFCA, Equifax, the Privacy Commissioner and legal representatives.
• Worked directly with brokers to assess client serviceability and manage end-to-end lending processes.
• Managed document collection, system entry and application submissions in accordance with lending policies and procedures.

Certificate IV in Credit Management

Certificate III in Business