Credit Analyst

Why this role existsFounded in 2024 , our client's busioness was built from a decade of private banking experience and first-hand property investment success. The business is focused on strategic lending for clients pursuing multi-property portfolios, with an emphasis on complex financials, lender policy and sophisticated lending structures.
The Credit Analyst supports the broker by taking the analytical and execution-heavy parts of the lending process and turning them into accurate, well-structured applications. The role combines credit judgement, loan structuring, application packaging and proactive stakeholder management.
What you will ownAnalyse client financial information and complete serviceability and borrowing-capacity assessments.Research lender policy and identify lending options that fit the client’s objectives, structure and circumstances.Develop loan scenarios, funding positions and pricing requests, and recommend practical structures to the broker.Prepare complete lender application packs, including compliance and lodgement documentation, lender notes and supporting evidence.Progress applications from submission through formal approval, keeping deadlines visible and issues resolved early.Manage day-to-day communication with brokers, clients, lenders, referral partners and conveyancers to maintain momentum.Coordinate valuations, credit queries and exceptions, and hand approved applications to settlement with complete documentation and context.
What makes the role interestingWork on lending scenarios where understanding the detail matters - including financial statements, company returns and company or trust structures.Become stronger at the intersection of credit analysis, lender policy and loan structuring rather than focusing only on transaction processing.See the full lending journey from initial analysis through submission, approval and settlement.
The day-to-dayCredit analysis & structuring - Review client financials, calculate servicing and borrowing capacity, interpret lender policy, test scenarios and recommend suitable structures.Application preparation - Gather and check information, prepare application packs, order valuations, draft lender notes and lodge through aggregator or lender platforms.Pipeline management - Own the flow of each application, monitor conditions and deadlines, solve issues early and keep stakeholders aligned.Settlement & compliance - Coordinate the handover to settlement, maintain complete records and support compliance and aggregator audit requirements.Continuous improvement - Identify recurring friction, improve processes and help the lending operation become more accurate and efficient.
Essential experience and capabilityExperience in a credit, lending support, loan analyst or closely related lending role.Strong analytical and communication skills, with the ability to explain credit and lending concepts clearly.High attention to detail and a disciplined approach to accuracy, checking and problem solving.Advanced capability in analysing financial statements and company returns.Confidence working with lending scenarios that involve companies, trusts or more complex structures.
Desirable experienceDiploma or Cert IV in Finance & Mortgage Broking.Experience working with mortgage aggregator platforms and/or lender submission systems.