Credit Analyst – Australian Mortgage Brokerage
Posted 26 days ago
You'll complete your application on Pear Tree.'s career site.
About the Role
As a Credit Analyst, you will assist an Australian mortgage brokerage by reviewing borrower income, debts, credit history, and lending eligibility to assess transaction viability. Your duties include evaluating risk factors and organizing loan submissions to satisfy the criteria of leading lenders in Australia. You must handle a large volume of active files, ensuring each progresses smoothly from the initial review stage to settlement. Working remotely, you will coordinate with external partners, such as real estate professionals, conveyancers, and lenders, to address concerns and keep the lending process on track. This position demands the ability to work independently while upholding rigorous quality and regulatory standards across the organization's residential mortgage assets.
Requirements
- Possess 4 to 5 years of relevant experience in Australian mortgage support, credit assessment, or lending operations.
- Demonstrate proficiency using the MyCRM system.
- Show practical experience with lodgement portals such as Simpology or ApplyOnline.
- Maintain a strong grasp of APRA regulations, Responsible Lending Obligations, and Household Expenditure Measure standards.
- Display expert knowledge regarding Australian Government Home Guarantee Schemes, LMI waivers, and First Home Owner Grants.
- Exhibit high-level written communication skills and the ability to write clear, professional credit justifications.
- Prior background in commercial lending, equipment financing, evaluating self-employed income, or managing automated workflows is considered a plus.
Responsibilities
- Conduct serviceability assessments using guidelines from various Australian banks and non-bank financial institutions to determine optimal client solutions.
- Prepare complete, submission-ready loan packages and submit them using tools like Simpology or ApplyOnline.
- Oversee a workload of 10 to 20 active files within MyCRM, which involves precise documentation, monitoring file progress, and logging compliance details.
- Monitor lender requirements and collect all required paperwork to advance applications through to total approval and final funding.
- Compose formal credit memos and maintain clear communication with external stakeholders and clients to troubleshoot problems and facilitate file movement.
Note: This listing is summarized and paraphrased by WorkNow from a publicly posted role. For the original wording and full details, please refer to the employer's official posting.
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