Senior Credit Analyst - 229

RESPONSIBILITIES:

Credit Assessment & Senior Scenario Analysis

* Analyse client financials including payslips, income structures, and employment types.
* Accurately calculate base income, overtime, and variable earnings.
* Interpret lender policies to determine borrowing capacity and loan suitability.
* Run and compare multiple lender servicing calculators using tools like Quickli.
* Prioritise urgent and/or important tasks effectively to ensure consistent momentum in a fast-paced environment.

Lender Policy & Niche Expertise

* Develop a deep understanding of individual lender credit policies and identify optimal lender niches.
* Apply lender-specific rules for overtime, self-employed requirements, and income verification.
* Use policy knowledge strategically to structure deals for approval, not just assessment.
* Conduct pricing negotiations with lenders and order/manage property valuations.

Complex Income & SMSF Management

* Analyse self-employed clients across structures including sole traders, partnerships, companies, and complex trusts.
* Interpret tax returns, financial statements, and notices of assessment to normalize earnings.
* Lead SMSF-related checks and identify all required documentation, including trust deeds and compliance documents.

Loan Processing, CRM & Compliance

* Execute loan processing support within AFG and Broker Engine.
* Manage KYC (Know Your Customer) protocols and lender documentation requirements.
* Draft detailed compliance comments in Credit Proposals and ensure all applications meet BID standards.
* Prepare strong, well-structured loan submissions with detailed notes tailored to each lender.
* Stay well organised in managing significant workloads, ensuring clear notes and records are kept for every file.

Communication & Team Support

* Liaise with lenders, credit teams, BDMs, and clients.
* Maintain a high level of communication and flexibility when supporting differing mortgage brokers in the team.
* Maintain professional, clear, and confident spoken English.

Requirements

QUALIFICATIONS:

Essential Experience

* Minimum 5+ years’ experience as a Credit Analyst (mortgage or banking).
* Extensive experience with Australian mortgage lending is mandatory.
* Proven ability to interpret and apply complex lender policies independently.
* Demonstrated experience working within AFG and Broker Engine platforms.
* This is a senior role; candidates must be experienced and not require trainee-level supervision.

Technical Skills

* Advanced financial analysis skills and bank statement analysis to identify undisclosed debts.
* Strong understanding of income verification, self-employed assessment, and credit scoring.
* Proficiency in using Quickli and lender-specific servicing calculators.
* Familiarity with CRM automation (e.g., Go High Level) and AI tools like ChatGPT is highly regarded.

Soft Skills & Attitude

* High energy, positive attitude, and comfort in a fast-moving business environment.
* Excellent verbal and written English communication.
* High attention to detail and a proactive, solutions-focused mindset.
* Team-oriented with a "hands-on" attitude and openness to continuous improvement.

What Success Looks Like

* High-quality submissions with strong approval rates and minimal rework.
* Accurate and efficient credit assessments, even for the most complex self-employed or SMSF scenarios.
* Seamless management of file flow and effective communication between all stakeholders.
* A strong track record of compliance and meeting BID standards.