Minimum 2+ yearsโ experience in Australian mortgage broking or mortgage credit analysis.
Demonstrated experience structuring investor and complex residential lending scenarios.
Experience managing loans from submission to formal approval.
Strong understanding of Australian lending regulations and credit policies.
Requirements:
Analyze borrower financials (income documents, tax returns, financial statements, liabilities, and living expenses) and assess serviceability against lender policy guidelines.
Structure investor-focused and complex lending scenarios (PAYG, self-employed, multi-entity, trust structures) and conduct valuation reviews and LVR risk assessment.
Prepare and package compliant loan applications for submission and ensure accuracy of supporting documentation; submit via Apply Online, Broker Engine, AFG, and FLEX.
Manage the application pipeline with lenders, credit assessors, BDMs, brokers, VAs, and offshore teams; drive approvals within SLA timeframes and maintain CRM/workflow tracking.
Job description
This is a remote position.
AU Mortgage Credit Analyst (Remote โ Australian Mortgage Broking)
Role Overview
The AU Mortgage Credit Analyst is responsible for structuring, packaging, and managing Australian residential and investor loan applications from scenario analysis through to formal approval. This role focuses on credit assessment, lender policy alignment, deal structuring, and end-to-end loan processing using Apply Online, Broker Engine, AFG, and FLEX systems.
Core Responsibilities:
Credit Analysis & Loan Structuring
Analyze borrower financials including income documents, tax returns, financial statements, liabilities, and living expenses.
Assess serviceability using lender calculators and policy guidelines.
