About The Position
The Senior Credit Analyst structures, assesses, and submits loan applications across a wide range of Australian residential lending scenarios. This is not a data-entry role: the analyst is expected to think like a broker and anticipate credit outcomes before submission. The role handles deals end-to-end, from fact find through submission and credit support, across multiple lenders, including proprietary products. The client is a financial services and mortgage brokerage firm headquartered in Newcastle, New South Wales. It provides debt solutions for first-home buyers, investors, and small business owners across Australia, including residential mortgages, commercial finance, and asset lending.
Requirements
- At least 4 years of Australian mortgage broking or credit analysis experience.
- Strong experience with complex deals beyond standard PAYG scenarios.
- Experience with refinance and equity release scenarios, pre-approvals, and submissions.
- Hands-on experience with Connective; this is non-negotiable.
- Solid understanding of lender policies and servicing.
- Ability to identify issues proactively, structure deals rather than merely process them, and reduce lender back-and-forth by getting applications right upfront.
Nice To Haves
- Mercury CRM experience is strongly preferred.
- SMSF lending exposure.
- Experience with non-bank or specialist lenders.
Responsibilities
- Analyze borrower scenarios, including PAYG, self-employed, and complex structures.
- Structure deals involving refinances, cash-out or equity release, pre-approvals, multi-lender and proprietary products, and basic SMSF lending at low volume.
- Prepare and submit loan applications via Connective.
- Complete and manage More Information Requests (MIRs).
- 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 records in Mercury CRM.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
