[Hiring] Senior Credit Analyst @D2B

Role Description

You are responsible for structuring, assessing, and submitting loan applications across a wide range of residential lending scenarios. This is not a data-entry role—you are expected to think like a broker and anticipate credit outcomes before submission.

You will work across multiple lenders (including proprietary products), handling deals end-to-end from fact find through to submission and credit support.

Responsibilities

• Analyze borrower scenarios (PAYG, self-employed, complex structures)
• Structure deals across:
  • Refinances
  • Cash-out / equity release
  • Pre-approvals
  • Multi-lender / proprietary products
  • Basic SMSF lending (low volume)
• Prepare and submit loan applications via Connective
• Complete and manage MIRs (More Information Requests)
• Review supporting documents for completeness and credit strength
• Identify risks and propose alternative structures before submission
• Liaise with lenders, BDMs, and internal stakeholders
• Maintain accurate notes and pipeline in Mercury CRM

Qualifications

• 4+ years in Australian mortgage broking / credit analysis
• Strong experience with:
  • Complex deals (not just vanilla PAYG)
  • Refinance and equity release scenarios
  • Pre-approvals and submissions
• Hands-on experience with:
  • Connective (non-negotiable)
  • Mercury CRM (strongly preferred)
• Solid understanding of lender policies and servicing

What the Client is Actually Looking For

• You don’t wait for instructions—you identify issues before they happen
• You can structure deals, not just process them
• You reduce back-and-forth with lenders by getting it right upfront

Preferred Skills

• SMSF lending exposure
• Experience with non-bank / specialist lenders