Credit Analyst (Australian Mortgage) - 197

The client is a premier, client-focused mortgage brokerage headquartered in the Sutherland Shire, New South Wales, serving families and individuals across Australia. Operating as a trusted partner in the residential finance sector, the firm specializes in navigating the complexities of the mortgage market to deliver tailored lending solutions. With a core expertise in mortgage comparison, loan pre-approval, and strategic refinancing, the company leverages a robust network of over 30 lenders to ensure clients secure competitive rates and structures that align with their long-term financial goals.

**OVERVIEW **:

We’re looking for a strategic Credit Analyst in the Australian Mortgage space who can turn client data into clear, accurate, and decision-ready recommendations.

**RESPONSIBILITIES **:

• **File Assessment **: Review fact find and supporting documents
• **Servicing **: Run lender servicing scenarios across relevant lenders
• **Living Expenses **: Analyse actual expenses versus HEM benchmarks
• **Policy Fit **: Assess lender suitability based on current policy
• **Structuring **: Recommend optimal loan and lender combination
• **Credit Summary **: Produce standardised, decision-ready output for broker
• **File Handover **: Hand over to processor and check AOL/CRM entries before submission
• **Pricing Requests **: Run pricing requests as required

Requirements

**QUALIFICATIONS **:

• Proficient in Broker Engine — required for file review, handover and pre-submission checks
• Minimum 3 years experience in the same role for a mortgage broker — bank-side experience alone is insufficient due to limited lender breadth
• Broad lender exposure — must know policy and servicing for major, second and third-tier lenders
• Proficient in Quickli for servicing scenarios
• Ability to interpret PAYG and self-employed financials; trust and SMSF experience highly regarded
• Strong working knowledge of living expenses analysis for serviceability purposes
• Extensive AOL experience — required to act as a checkpoint on processor submissions, even though the analyst will not lodge applications directly
• Solutions-oriented — able to identify issues and recommend the appropriate lender or structure
• Attention to detail — picks up inconsistencies such as income mismatches, payslips not reconciling with YTD figures, understated living expenses, or liabilities missing from fact find versus credit report
• Able to produce clear, concise recommendations to the broker and a clean handover pack for submission
• Solid English and communication skills — will periodically liaise with bank BDMs to clarify scenarios or policy
• Complex lending experience (trust, SMSF) advantageous to support new client acquisition