Senior Credit Analyst

About the role

We’re looking for an experienced Senior Credit Analyst to join our growing mortgage broking team.

This role suits someone who loves solving complex lending scenarios, understands lender policy inside out, and takes pride in getting the structure right before an application reaches the lender.

You won’t simply process applications.

You’ll take ownership of the credit analysis and loan structuring behind each deal, working closely with our brokers to deliver strong outcomes for clients.

The Role

As our Senior Credit Analyst, you’ll be responsible for assessing, structuring and preparing residential lending applications from initial strategy through to submission.

Your responsibilities will include:

• Analyse complex residential lending scenarios

• Complete servicing assessments across multiple lenders

• Research and interpret lender credit policies

• Recommend suitable lender and product options to brokers

• Structure purchases, refinances, equity releases and investment lending

• Review PAYG, self-employed, company and trust income

• Analyse tax returns, financial statements and supporting financial information

• Review existing loan structures and property portfolios

• Identify credit and policy risks before submission

• Prepare clear credit notes and application strategies

• Package high-quality applications for submission

• Work with lender BDMs and credit teams on complex scenarios

• Review applications for accuracy, compliance and credit quality

• Manage approval conditions and credit-related queries

• Support and mentor junior team members

• Help improve our internal credit processes and systems

What We’re Looking For

You’ll have strong experience in Australian residential lending, either within mortgage broking or banking.

You should be comfortable receiving a client file and independently working through:

Client position → Borrowing capacity → Credit policy → Loan structure → Lender selection → Application strategy

We’re looking for someone with:

• Strong residential lending experience

• Excellent knowledge of Australian lender policies

• Advanced servicing and borrowing capacity skills

• Experience with complex investment lending

• Strong understanding of self-employed borrowers

• Experience reviewing company and trust structures

• Strong attention to detail

• Clear written and verbal communication

• Strong problem-solving skills

• Confidence dealing directly with lenders, BDMs and credit teams

• High personal accountability

• The ability to manage multiple files without sacrificing quality

Experience with Mercury Nexus and ApplyOnline would be highly regarded.

Certificate IV or Diploma in Finance and Mortgage Broking would also be highly regarded.

What Success Looks Like

You identify problems before the lender does.

Applications are structured correctly before submission.

Brokers trust your credit judgement.

Files move through assessment with fewer avoidable conditions and delays.

Clients receive a smooth experience.

And our brokers spend more of their time advising clients and growing relationships instead of researching policy and rebuilding applications.

Why Join Us?

We’re building a mortgage broking business focused on delivering a high standard of advice and creating long-term client relationships.

You’ll work closely with experienced brokers and have genuine ownership of the credit function.

There is room to grow with the business, take on greater responsibility and help shape how our credit team operates.

If you’re an experienced credit professional who enjoys solving lending problems and wants more ownership than a traditional processing role, we’d like to hear from you.