Credit Analyst

Credit Analyst

• H1 and G grade employees can apply. It will be a lateral movement for G Grade Employees & vertical movement for H1 Grade Employees.
• Applicants should have completed a minimum tenure of 18 months in the organization and 12 months in their current role as on 01st December 2025.
• Performance rating of CME or above in the last 6 months.
• No documented disciplinary issues/PIP in the last 6 months.

• Closely workshop with brokers to package the deal ensuring that every submission is structured optimally and aligns with the lender policies and client's needs.
• Prepare comprehensive credit submissions for a variety of lending scenarios, including but not limited to refinances, purchases, multiple-securities, multiple applicants, SMSF and bridging finance.
• Liaise with clients to gather necessary documentation and clarify financial details.
• NCCP Compliance checks and transcribing notes from summaries to detailed responses.
• Understand and interpret complex financials (Self-employed, SMSF, trusts and company)
• Complete lender servicing calculators and living expense analysis to assess clients borrowing capacities
• Researching lenders who have a specific policy to suit the clients' requirements and provide expert guidance on said policies to ensure compliance and optimal loan structuring.
• Order Valuations based on the information provided by the client, understanding the different types of valuations and communicating with valuation firms to discuss or escalate.
• Pricing requests across multiple lenders, for new applications and settled loans.
• Generating comprehensive credit reports and being able to interpret them.
• Assist in mitigating MIRs, Conditional Approvals, and Settlement Conditions.
• Cross checking approval and settlement document to ensure the details match the clients' requirements, per the submission.
• Stay updated on industry trends, lending products, and regulatory changes.

• Bachelor’s Degree in a relevant course.
• Certificate IV Financing & Mortgage Broking
• More than 4 years of experience in an Australian mortgage broking industry specializing in AU loan processing.
• Previous experience in data entry of client information to MyCRM (LMG CRM system)
• Previous experience in data entry of a loan application into MyCRM and Apply Online (AOL), Simpology, or direct to the lender.
• Previous experience in generating application paperwork, including those for the First Home Buyers and Discharge forms.
• Experience in using aggregators CRM such as MyCRM, Infynity, Mercury Nexus, Flex or Sales trekker.
• Experience using Project/Task Management Tools (Monday.com, Trello, Airtable etc).
• Experience with an LMG brokerage working with multiple brokers in a fast-paced business and MyCRM software is preferred.

• Has a strong understanding of complex loan structures and loan types (multiple applicants, multiple securities, SMSF, company and trust lending, etc)
• Has a strong understanding of various income streams and is confident in income calculations for PAYG, SMSF, company and trust financials.
• Is proficient in using IT software, Google Workspace and/or Microsoft Office, including Gmail or Outlook.

• Exceptional customer service skills and a friendly, professional demeanor.
• Willing to take necessary actions and decisions to meet objectives and deadlines.
• Has the ability to solve problems and work proactively.
• Ability to work autonomously with minimal supervision.
• Exhibits strong attention to detail when reviewing important documents, identifying errors, ensuring compliance, and maintaining high accuracy through meticulous validation.
• Must be well-organized and capable of managing and resolving conflicting priorities.

• 3-Months training induction program onsite
• Ability to work from home, onsite or hybrid
• Monthly Reward and Recognition
• Possibility to complete Certificate IV in Finance and Mortgage Broking (if not already completed) pending eligibility requirements
• Regular professional and social events
• Access to Brokerversity for self-driven learning and development

• HR Screening
• Personal Interview