Role Overview:
We are seeking experienced AU Mortgage Credit Analysts to support Australian brokers and lenders in assessing loan applications and ensuring accurate, compliant submissions. This role is ideal for candidates with strong analytical skills and a solid understanding of Australian lending practices, with exposure across the credit assessment or end-to-end mortgage process.
Core Responsibilities:
- Conduct detailed credit analysis including assessment of income, liabilities, expenses, and borrowing capacity.
- Review and verify financial documents such as payslips, tax returns, bank statements, and credit reports.
- Prepare and assess loan applications in line with lender policies and Australian compliance standards.
- Provide recommendations on loan structures and product suitability.
- Liaise with brokers, clients, lenders, and third parties to gather requirements and provide updates.
- Ensure accuracy and completeness of all application data prior to submission.
- Monitor application progress and assist in resolving any issues or conditions raised by lenders.
- Support pre-assessment through to approval (end-to-end exposure is advantageous).
Job Requirements:
Required Qualifications:
- Proven experience as a Mortgage Credit Analyst or similar role.
- Background in Australian mortgage or lending environment.
Required Technical Skills:
- Strong knowledge of Australian lending policies and credit assessment processes.
- Ability to analyze financial documents and assess borrowing capacity.
- High attention to detail and accuracy.
- Strong analytical and problem-solving skills.
- Excellent written and verbal communication skills.
- Ability to manage multiple applications and meet deadlines.
Preferred Qualifications / Nice to Haves:
Aggregator Platforms:
- ApplyOnline (AOL)
- MyCRM
- Mercury Nexus
- Flex (LoanKit)
- Podium
- Salestrekker
Loan Processing & CRM Tools:
- Salesforce (Financial Services Cloud).
- HubSpot (for pipeline tracking).
- Monday.com / Trello / Asana (workflow tracking).
Credit & Financial Assessment Tools:
- Equifax / illion credit reporting systems.
- Serviceability calculators (lender-specific or aggregator-based).
- Income verification tools and document analysis systems.
Other Relevant Experience:
- End-to-end mortgage processing (from application to settlement).
- Experience working with brokers or mortgage firms supporting AU clients.
- Exposure to compliance frameworks (NCCP, responsible lending obligations).
- Familiarity with different loan types (owner-occupied, investment, refinancing, construction loans).
Work Setup:
- Permanent Work-from-Home.
- Day Shift (aligned with Australian business hours).
Company Benefits:
- Permanent Work-from-home setup
- Company-provided equipment
- Secondary Wi-Fi Modem
- 21 Leave Credits Annually (Leave benefits begin on Day 1)
- 100% conversion of UNUSED leave credits
- HMO on Day 1
- 13th Month Pay
- Monthly Gift Voucher
- Milestone Tokens (Birthday/Anniversary/Christmas)
- A Life Beyond the Screen #WorkLifeBalance
- Active employee engagements such as Christmas Party, Team Building, and virtual town halls with prizes
