As a Credit Representative under Connective’s ACL, you have specific obligations and responsibilities.
Writing your own loan — or a loan for an immediate family member or an entity you control — is permitted at Connective. However, you must obtain prior approval from the Compliance team.
When approval is required
You must seek approval if the loan is:
In your own name
In joint names (where you are one of the borrowers)
In a company or entity you control
For an immediate family member
This ensures transparency, appropriate conflict management and compliance with regulatory obligations.
Information required for your request
Submit your request via the designated Submit request now link and include the following details:
Borrower details
Is the loan in your own name, joint names, or a company/entity you operate?
If for an immediate family member, specify the relationship.
Loan details
Proposed lender
Proposed loan amount
Security details
Loan-to-Value Ratio (LVR)
Lender engagement
Confirm whether this has been discussed with the proposed lender BDM.
Providing complete information upfront will assist in timely assessment.
What happens next?
Once your request is submitted:
The Senior Compliance Support Managers will review the information.
A decision will be made.
You will be advised of the outcome.
Do not proceed with submission until approval has been received.
Submit your request
Compliance considerations
When writing your own loan or a related party loan, you must ensure:
The loan meets responsible lending obligations (where applicable).
Conflicts of interest are appropriately managed.
All compliance documentation is completed in full.
Need help?
If you have questions regarding own loan applications, contact the Compliance Support team at [email protected] or raise a Helpdesk ticket in Mercury.