Credit Analyst

Offers you the chance to play a pivotal role in assessing and processing prime home loan applications. This organisation boasts a substantial loan portfolio and a reputation for excellence within the Australian market, providing a supportive environment where your expertise will be valued and your professional growth encouraged. Youhave the opportunity to collaborate with various departments such as Treasury, Settlements, Collections, and Finance.

The company is committed to nurturing talent, fostering an inclusive culture, and supporting flexible working opportunities that help you balance your career ambitions with your personal life. If you are passionate about delivering outstanding customer service and thrive in a collaborative setting, this is the perfect opportunity to further develop your skills in credit analysis while making a meaningful impact.

• Join a respected non-bank lender with a significant presence in the Australian mortgage market, known for its commitment to staff development and supportive leadership.
• Work closely with experienced professionals across multiple departments, gaining exposure to diverse aspects of credit operations and expanding your industry knowledge.
• Benefit from flexible working opportunities and a workplace culture that values inclusivity, teamwork, and continuous learning.

What you'll do:

As a Credit Analyst, you will be entrusted with the responsibility of thoroughly evaluating home loan applications while upholding rigorous standards of accuracy and compliance. Your day-to-day activities will involve close collaboration with both internal teams and external partners as you guide applications from initial acceptance through to successful settlement. You will play an integral role in ensuring that all stakeholders are kept informed about credit decisions, fostering trust through clear communication. By leveraging your deep understanding of mortgage products and Lenders Mortgage Insurance requirements, you will provide valuable insights on complex cases that may not fit standard criteria. Your ability to support colleagues—whether by answering questions or stepping in during busy periods—will contribute significantly to the overall success of the team. Throughout every interaction, you will champion exceptional customer service by addressing enquiries promptly and guiding applicants through each step of their journey. In this position, your attention to detail and commitment to achieving company goals will be key drivers of both individual achievement and collective progress.

• Assess credit applications in line with established Service Level Agreements (SLAs), ensuring all decisions adhere to internal policies and delegated lending authority.
• Process loans efficiently to meet contract deadlines while maintaining high standards of accuracy and compliance throughout each stage of the application process.
• Liaise effectively with staff members, brokers, mortgage managers, originators, agencies, third-party suppliers, and applicants from acceptance through to settlement.
• Communicate credit decisions clearly to all relevant parties, ensuring transparency around requirements and outcomes so that everyone involved understands the rationale behind each decision.
• Support other processors, underwriters, and members of the credit department as needed by sharing knowledge and assisting with complex cases or queries.
• Maintain a strong focus on enhancing customer service skills and knowledge by responding promptly to enquiries and providing guidance throughout the application journey.
• Demonstrate commercial acumen by evaluating situations that fall outside standard policy criteria and making well-considered recommendations to delegated lending authority holders.
• Follow up on loan enquiries diligently, offering assistance at every stage of the process to ensure community partners receive exceptional service.
• Apply detailed understanding of Lenders Mortgage Insurance (LMI) eligibility criteria when assessing applications involving LMI providers.
• Contribute positively to annual performance goals by consistently meeting targets set out as part of company evaluations.

What you bring:

In this Credit Analyst role, your background in financial services—particularly within non-bank lenders—will enable you to navigate complex lending scenarios confidently. Your formal qualifications equip you with technical expertise while your hands-on experience ensures you can handle everything from straightforward residential mortgages to more intricate cases involving self-employed applicants or trust structures. Your interpersonal skills allow you to build rapport quickly with brokers, applicants, colleagues across departments, and external partners such as LMI providers. You bring a thoughtful approach when communicating decisions or resolving conflicts; your empathy helps foster understanding even when outcomes are challenging for applicants. Your dependability shines whether collaborating within a team or managing tasks independently; others look up to you as a referral point for less experienced officers because they trust your judgement. With an eye for detail balanced by commercial sensibility, you consistently deliver accurate assessments that align with organisational objectives while supporting broader business growth.

• Proven experience in credit assessment roles within financial services or non-bank financial institutions for at least three years.
• Current or previous holder of Delegated Lending Authority for mortgage loans demonstrating sound judgement in credit decisions.
• Holder of Certificate IV in Credit Management or Certificate IV in Finance and Mortgage Broking reflecting formal training in relevant disciplines.
• Comprehensive understanding of the mortgage market including regulatory frameworks and industry best practices.
• Experience assessing self-employed income streams as well as complex trust structures for loan eligibility purposes.
• Familiarity with construction lending processes including interpretation of Quantity Surveyor (QS) reports is highly desirable.
• Demonstrated ability to work collaboratively within teams while also being dependable when working independently without supervision.
• Excellent communication skills enabling you to explain complex credit decisions clearly to both internal stakeholders and external clients.
• Strong customer service orientation focused on building positive relationships with brokers, applicants, community partners, and colleagues alike.
• Attention to detail combined with commercial awareness allowing you to identify risks while recommending practical solutions.

What sets this company apart:

This organisation stands out as one of Australia’s most respected non-bank lenders thanks to its unwavering commitment to responsible lending practices and customer satisfaction. Employees benefit from being part of an inclusive workplace where diversity is celebrated and every voice matters. The company invests heavily in ongoing training opportunities so that staff remain at the forefront of industry developments—empowering you not only to excel in your current role but also prepare for future advancement. Flexible working arrangements are available so you can achieve harmony between professional responsibilities and personal commitments. Supportive leadership fosters open communication channels across all levels; ideas are welcomed regardless of seniority which creates an environment where innovation thrives naturally. As part of this team-oriented culture rooted in shared values like integrity and respect for others’ contributions—you’ll find genuine camaraderie among colleagues who care about each other’s success as much as their own.

What's next:

If you are ready to take the next step in your career as a Credit Analyst within an inclusive team environment where your expertise truly makes a difference—this is your moment!

Apply today by clicking on the link below; we look forward to connecting with talented individuals who share our passion for excellence.

Aboriginal and Torres Strait Islander Peoples are encouraged to apply.
To apply please click apply or call Stuart Sellar on 02 8289 3200 for a confidential discussion.