An Evaluation of the Customer Credit Worthiness Assessment Process of EZY Hub Ltd.

Abstract

This report expounds on my internship work experience which I have gained at EZY Hub Ltd -Junior Finance Executive between August, 2025 and October, 2025. EZY Hub Ltd is an Australian based BPO service firm that offers back office support services to Australian mortgage brokers including client data entry service, document verification, online loan applications and financial eligibility assessment. The primary aim of this assessment is to review the customer creditworthiness assessment procedure within the mortgage broker support business unit of the company and audit the accounting and information processing steps that are used throughout the workflow. My duties included field work with industry specific CRM software applications such as SalesTrekker, MyCRM, Flex, and ApplyOnline and managing all stages of the mortgage application process including document collection, income verification, servicing, and electronic delivery of loan applications to lenders. The daily operations were the analysis of financial statements, the lender policy application to calculate the borrowing capacity and the development of compliance documentation in accordance with the Australian financial regulation. This position helped me to exercise all my accounting and analytical skills in the integrity of data, facilitation of financial rigor, and maintenance of strong internal controls that are of paramount importance to the credit review process. Besides the major learning outcomes and reflections, the study also determines the workflows, the structure and the communication methods that support the operational effectiveness at EZY Hub Ltd. Certain suggestions are made based on the learning, in terms of streamlining the workflow and making it more purpose-oriented in this regard, with the end goal of automating the workflow and delivering data integration of all the sources involved to optimize the approvals and work accuracies. To sum up, the internship experience in EZY Hub Ltd. was an extremely needed gap between education and employment, as it allowed me to develop financial analysis skills, documentation, and skills in coordination of international operations in a highly regulated international mortgage environment.