Credit Analyst- Australian Mortgage (1+ year)

Key Responsibilities:

Analyse income documents such as payslips, tax returns, and financial statements to determine client income for PAYG, self-employed, or business owner clients.
Prepare detailed loan submissions including credit proposals, income breakdowns, loan summaries, and clear exit strategies for retirement planning.
Conduct thorough scenario analysis to identify the most suitable lender by evaluating the client’s financial position, loan preferences, and matching with lender policies.
Validate declared living expenses by comparing them to Household Expenditure Measure (HEM) benchmarks and confirming accuracy with financial statements.
Review broker notes to extract key insights and integrate them into the loan strategy to ensure alignment with client needs and financial goals.
Ensure accurate and up-to-date data management by verifying CRM entries against supporting documents and maintaining consistent client records.
Complete comprehensive financial position reviews by checking the accuracy of declared assets, liabilities, and monthly expenses against bank statements.
Organize and maintain client folders, redacting sensitive information and preparing complete, compliant document sets for submission.
Draft professional emails to clients that clearly outline the lending strategy, approval conditions, and required next steps.
Provide expert guidance on loan applications requiring exceptions, recommending tailored strategies to align with lender policies and improve approval likelihood.

Qualifications:

Educational Background: Bachelor’s degree in business administration, Finance, or a related field.
Experience: Minimum of 1-2+ years of robust experience in Australian mortgage processing.
Communication Skills: Excellent written, verbal, and interpersonal communication skills.
Technical Proficiency: Highly computer literate with proficiency in MS Office, Nexus, Apply Online, and related business tools.
Multi-tasking & Time Management: Manage multiple tasks efficiently while meeting deadlines.
Detail Orientation: Maintain a high level of accuracy and attention to detail.

Why Join Us?

Attractive salary package plus Quarterly incentives
Secure employment with one of Australia’s largest and most reputable brokerage firms
Professional work environment with fun, collaborative culture
Career growth opportunities with Paid training programs
Work-from-Home Flexibility
Five-day work week (Monday to Friday)
Employee Referral Bonus program
Regular employee engagement and team-building activities