Credit Analyst – Australian Mortgage

About the role

The Credit Analyst will support Australian mortgage lending by assessing borrower income, preparing comprehensive loan submissions, and recommending suitable lenders based on each client’s financial situation.

Key responsibilities

• Assess and verify income documentation such as payslips, tax returns, and financial statements for PAYG employees, self‑employed applicants, and business owners.
• Develop detailed loan submissions, including credit narratives, income calculations, loan summaries and exit strategies, especially for clients nearing retirement.
• Evaluate multiple lending scenarios to identify the most appropriate lender based on borrower needs, loan structure and lender policies.
• Review household living expenses against HEM benchmarks and cross‑check against transaction accounts and other records.
• Interpret broker notes and client information to shape the proposed loan strategy.
• Maintain data integrity in CRM systems, ensuring client profiles are accurate and up‑to‑date.
• Verify declared assets, liabilities, commitments and ongoing expenses against supporting documentation and bank statements.
• Organise client documentation, redact sensitive information and ensure compliance with submission standards.
• Prepare clear client correspondence outlining lending recommendations, approval requirements and next steps.
• Assist with complex or exception‑based applications by analysing lender requirements, identifying challenges and devising strategies to maximise approval chances.

Required profile

• Experience assessing income documentation for a range of applicant types (PAYG, self‑employed, business owners).
• Strong analytical ability and meticulous attention to detail.
• Proficiency in preparing comprehensive loan documentation and client correspondence.
• Ability to maintain accurate records within CRM systems.

Required skills