[Hiring] Mortgage Credit Analyst @D2B

Role Description

We are seeking a detail-oriented and analytical Credit Analyst to support a busy Australian mortgage brokerage by assessing borrowers' financial positions and preparing high-quality loan applications for submission.

Working closely with Mortgage Brokers, you will be responsible for:

• Reviewing financial documents
• Analysing borrower capacity
• Identifying lending risks
• Ensuring loan applications meet lender policies and compliance requirements before submission

This role requires strong knowledge of Australian residential lending, excellent analytical skills, and hands-on experience using Connective Mercury and ApplyOnline (AOL).

Qualifications

• Previous experience as a Credit Analyst, Credit Assessor, or Mortgage Credit Analyst supporting an Australian mortgage broker or lender
• Strong understanding of Australian residential lending policies and credit assessment principles
• Demonstrated experience analysing financial documents and assessing borrower serviceability
• Ability to identify lending risks and recommend appropriate loan structures
• Experience reviewing bank statements, payslips, tax returns, liabilities, and supporting financial documents
• Strong understanding of responsible lending obligations and compliance requirements
• Hands-on experience using Connective Mercury and ApplyOnline (AOL)
• Excellent analytical, organisational, and problem-solving skills
• High level of accuracy and attention to detail
• Excellent written and verbal English communication skills

Requirements

• Analyse borrowers' financial positions, income, liabilities, assets, and living expenses
• Review payslips, tax returns, financial statements, bank statements, and supporting documentation
• Identify undisclosed liabilities, recurring expenses, and potential credit risks
• Verify borrower information against supporting documents and lender requirements
• Assess serviceability and borrowing capacity using lender calculators
• Review loan structures and recommend suitable lending options for broker review
• Ensure applications align with lender credit policies and responsible lending obligations
• Prepare accurate loan applications within Connective Mercury
• Enter borrower and security information into CRM and lender systems
• Package complete applications for broker review and submission through ApplyOnline
• Upload and organise all supporting documents
• Complete lender-specific application requirements and checklists
• Order property valuations and review valuation reports
• Prepare pricing requests and assist with lender negotiations where required
• Review identification documents and verify compliance with lender requirements
• Ensure all mandatory documentation has been received before submission
• Complete compliance documentation based on broker file notes and customer interviews
• Maintain accurate client records, application notes, and document management within CRM
• Ensure all files meet internal quality assurance and compliance standards
• Monitor application progress from submission through approval and settlement
• Track lender turnaround times and outstanding conditions
• Liaise with lenders, brokers, solicitors, and clients to obtain additional information where required
• Keep brokers informed of application progress and any credit concerns
• Review loan offers for accuracy before settlement
• Maintain accurate CRM records and client files
• Monitor shared inboxes and action lender or client requests
• Assist with administrative tasks to support the mortgage team
• Prepare documentation using Adobe and Microsoft Office
• Assist with marketing collateral using Canva when required

Benefits

• Experience working with multiple Australian lenders
• Knowledge of lender credit policies and servicing calculators
• Experience with pricing requests and valuation ordering
• Proficiency in Microsoft Excel, Google Workspace, Adobe Acrobat, and Canva