[Hiring] Senior Mortgage Broker Support / Credit Analyst @D2B

Role Description

As a Senior Mortgage Broker Support / Credit Analyst, you will bridge the gap between technical credit analysis and end-to-end file management, taking complete ownership of applications from initial assessment through to submission and settlement support. Designed for a commercial thinker who thrives with minimal supervision, this position allows our onshore brokers to focus entirely on growth while you manage the end-to-end technical execution of each loan.

Responsibilities

• Financial Assessment:
  • Review and verify tax returns, financial statements, Business Activity Statements (BAS), payslips, and comprehensive supporting documentation.
  • Ensure each client file in the CRM is fully complete at the outset, requiring a strong understanding of and experience with Connective CRM (Mercury).
  • Review documents to ensure information fields (such as ID details, assets, liabilities, employment etc.) are all complete.
  • Rename documents to a naming protocol.
  • Remove tax file numbers and other compliance-related checks.
  • Review credit reports to ensure the client has no adverse credit and flagging where they have.
  • Ensure all liabilities and expenses are declared accurately in the expenses section.
  • Compare documents held against checklists from lenders.
  • Enter key dates such as finance due and settlement date.
  • Check expenses declared against HEM once income is determined.
• Quality Assurance: Conduct meticulous pre-submission quality assurance checks, collaborating with the processing team to ensure all files are complete, accurate, and submission-ready.
• Serviceability & Risk Evaluation: Analyze borrowing capacity (servicing), outstanding liabilities, living expenses, and credit histories to identify policy issues, lender risks, and potential submission challenges.
• Strategic Lender Recommendations: Research lender policies and liaise with Business Development Managers (BDMs) to recommend the most suitable lenders based on policy compliance, serviceability, and client goals.
• Loan Structuring & Summaries: Prepare clear, high-quality credit recommendations and scenario summaries for brokers while assisting with structural design and overall submission strategy.
• Scenario Analysis: Evaluate complex residential lending scenarios across a diverse range of client portfolios, including PAYG, self-employed, company, trust, and SMSF applications.

Qualifications

• Experience: Minimum 3-5 years of dedicated Australian mortgage broking experience in a role that focused on the above key responsibilities.
• Industry Systems: Familiarity with the Connective aggregator platform / Mercury CRM.
• Communication & Organization: Exceptional written English communication skills alongside unmatched attention to detail and organizational capabilities.
• Brokerage Background: Prior experience working within a fast-paced, high-performing Australian mortgage brokerage.

Preferred Skills & Technologies

• Analysis Tools: Proficiency with Quickli (or equivalent policy/servicing tools), lender servicing calculators, and various major Australian lender portals.
• Complex Assessment Skills: Proven experience assessing complex borrower types and structures, including Self-employed applicants, Company & Trust structures, SMSF lending, Refinancing, Investment lending, and Business-purpose lending.
• Analytical Thinking: Strong critical thinking skills with the ability to independently identify appropriate lender fit and mitigate policy risks.
• Lending Policy Expertise: Deep, current understanding of Australian lending policies and guidelines.