Conducted end-to-end credit assessment of Australian residential
home loan applications in line with ANZ credit policy, APRA prudential
standards (APS 220), and responsible lending obligations under the
National Consumer Credit Protection (NCCP) Act.
Assessed borrower serviceability using ANZ's internal serviceability
calculator and HEM (Household Expenditure Measure) benchmarks,
validating income, liabilities, and living expenses for owner-occupier
and investment loan scenarios.
Analyzed payslips, PAYG summaries, tax returns, Notice of
Assessments, and ATO income details to verify declared income for
salaried, self-employed, and PAYG borrowers in compliance with
ANZ's income verification guidelines.
