[Hiring] Senior Credit Analyst @Hunt St

Role Description

We are seeking a highly skilled Senior Credit Analyst to provide advanced credit analysis and loan structuring support to our Mortgage Broking and Advisory teams. This role plays a critical part in delivering high-quality lending outcomes, particularly for complex and non-standard lending scenarios.

• Lead end-to-end credit assessments across a diverse client portfolio
• Complete complex servicing calculations for PAYG, Self-Employed, and mixed income clients
• Independently structure loans aligned with client strategy, tax considerations, and lender policy
• Assess and support complex lending scenarios, including:
  • Trust structures (Discretionary, Unit, Corporate Trustee)
  • SMSF lending (LRBA structures)
  • Multiple entities, guarantors, and securities
  • Investment, portfolio, and debt recycling strategies
• Use Mercury to assess servicing and policy suitability
• Conduct in-depth lender policy comparisons and recommend optimal credit solutions
• Prepare and review lender-ready submissions for accuracy, compliance, and strategy
• Provide guidance to Brokers on lender selection and structuring considerations
• Proactively identify and address credit risks prior to submission
• Manage complex conditions, credit escalations, and lender queries
• Ensure all applications meet NCCP, compliance, and internal quality standards
• Maintain high-quality credit notes, servicing worksheets, and file documentation
• Ensure accurate record-keeping across CRM, Asana, and internal systems
• Review task statuses, timelines, and handovers for credit-related workflows
• Prepare lending summaries and technical credit reports where required
• Contribute to the development and refinement of credit assessment frameworks
• Assist in building and maintaining credit-related SOPs and templates
• Identify and implement efficiency improvements within credit workflows
• Provide technical guidance and informal mentoring to junior credit team members
• Work closely with Mortgage Brokers, Advisers, and Client Onboarding teams
• Support complex client scenarios requiring multi-disciplinary input
• Ensure all loan files are audit-ready and compliant
• Contribute to projects aimed at improving client experience and lending efficiency

Qualifications

• Extensive Australian mortgage credit experience (senior level)
• Strong expertise in servicing, loan structuring, and policy interpretation
• Proven experience handling complex lending (Trusts, SMSF, SE clients)
• High-level analytical and problem-solving capability
• Exceptional attention to detail and accuracy
• Strong time management and prioritisation skills
• Clear, confident, and professional communication
• Ability to operate autonomously in a remote environment
• Client-first mindset with a strong compliance focus
• Proactive leadership mindset and commitment to continuous improvement
• Experience supporting or mentoring junior credit staff is advantageous

Requirements

• An IT remote assessment will be conducted.
• Windows desktop or laptop (Windows 7 or above) or Mac (OS 10.8 or above)
• Working webcam and headset with microphone
• Stable wired internet connection
• Backup internet connection (pocket WiFi or mobile broadband)
• Quiet and professional home working environment

Other Information

• Strong attention to detail is essential
• Role follows Australian business hours
• Full time equivalent, long-term role with career progression opportunities

Work Arrangement & Expectations

This is a remote role that will be set up as an independent contractor engagement. To ensure alignment and transparency, successful candidates will be expected to:

• Disclose any existing ongoing roles or client work
• Reflect this engagement on their LinkedIn profile (clearly marked as “Independent Contractor”)