Credit Analyst
Posted 4 days ago
You'll complete your application on Pear Tree.'s career site.
About the Role
A remote Credit Analyst is needed to provide support for an Australian residential mortgage brokerage. You will handle the complete credit lifecycle, collaborating with the Principal Broker and a Loan Processor to guide clients from the discovery stage to the final settlement. This position is essential for ensuring that operational workflows remain efficient and that all compliance requirements are met as the client base expands.
Requirements
- You should have a minimum of two to three years of experience working as a Senior Loan Writer or Credit Analyst in the Australian residential mortgage sector.
- You must be skilled in using Quickli for servicing and the Connective Mercury CRM, as well as have comprehensive knowledge of NCCP rules, Australian lending policies, and service calculation methods.
- You are required to demonstrate strong English communication skills and possess a Bachelor's degree in a finance-related subject or professional credentials such as a Diploma or Cert IV in Finance and Mortgage Broking.
- You should show evidence of successfully evaluating complicated loan applications, including SMSF or self-employed files, with preference given to those experienced in process documentation, mentoring, or compliance management.
Responsibilities
- You will facilitate the credit process by managing client files, handling inquiries, and gathering required documents following the broker's initial assessment.
- You will execute full borrowing capacity calculations, evaluate income structures in line with lender guidelines, and recommend optimal lending strategies for approval.
- You will request property valuations, submit pricing requests, and create detailed Broker Notes and compliance documentation.
- You will interact with lender representatives and assessors to address policy hurdles, supervise and review the Loan Processor's work, and guarantee that all applications comply with responsible lending laws.
- You will contribute to client retention efforts by identifying refinancing possibilities within current portfolios and strictly following internal compliance procedures and checklists.
Benefits & Perks
- This position operates on a regular Monday through Friday schedule between 9:00 AM and 5:00 PM AEST/AEDT and includes paid time off for all Australian public holidays.
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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