28 Nov
Brokerage
South Australia
Brokerage & Co is a leading, technology-driven mortgage brokerage committed to an outstanding client experience, guided by one of Australia's premier mortgage brokers.
Brokerage & Co is seeking a highly motivated and experienced credit professional to step into the role of Credit Analyst. Working remotely, this role is a great opportunity to take ownership of complex loan scenarios and play a key role in building a high-performing team executing credit assessments, compliance, and client strategies.
You will serve as the subject matter expert, responsible not only for end-to-end management of difficult files but also for developing the Credit Analyst team in technical policy interpretation and complex deal structuring.
Key Responsibilities
1. Credit Assessment & Deal Ownership
The role is responsible for the full lifecycle of complex loan applications, ensuring accuracy, compliance, and strategic alignment:
- Deal Ownership: Take full ownership of deals from allocation to settlement, ensuring a seamless and efficient process, while delegating relevant tasks to the Loan Processing Specialist (LPS).
- Analysis & Policy: Review client information and supporting documents in detail, and maintain a thorough working knowledge of lender policies and guidelines.
- Servicing: Perform servicing calculations (via Quickli and lender calculators).
- Strategy & Scenarios: Work alongside our expert Brokers to prepare and review comprehensive loan advice and strategy documents.
- Lender Collaboration: Workshop difficult credit scenarios with brokers and lenders, and handle Mortgage Intermediary Requests (MIRs) with lenders and clients (requesting LPS to send emails as needed).
- Information Gathering: Liaise with the Broker and Client Services Manager (CSM) to gather any additional information required for the application (with the CSM managing client follow‑up).
- Query Management: Handle any complex credit questions received from clients.
- Quality Control: Review details on approval letters, ensuring all terms and conditions are correct, and review the final application before giving the LPS the go‑ahead to submit application documents.
- Handover: Prepare the completed file for a smooth handover to the LPS for post‑submission management.
2. Team Contribution & Process Excellence
In this role, you will drive operational efficiency and growth of the Credit Analyst team:
- Coaching & Mentoring: Conduct and coach the team on complex policy interpretation and advanced client communication, including conflict resolution techniques.
- Credit Judgment: Guide team members in applying nuanced credit judgment and commercial sense in their decision‑making.
- Strategic Problem‑Solving: Workshop difficult credit scenarios and structures that other staff members struggle with, and provide assistance with declined applications.
- Risk & Compliance: Train the team on emerging fraud and risk patterns and manage escalations for high‑risk files.
- Template Development: Develop best‑practice templates and strategies for efficient query resolution and lender negotiation.
Candidate profile and requirements
The successful candidate will have the following skillset:
- Proven experience as a Credit Analyst or similar role in the Australian lending or broking industry.
- Demonstrated ability to structure, review, and sign off on complex client advice and strategy documents.
- Expert‑level knowledge of lender policies and servicing calculations. Knowledge of commonly used software systems (including Quickli) will be preferred.
- Experience in conducting file reviews and ensuring team compliance with Responsible Lending Obligations (NCCP).
- Strong verbal and written communication skills for professional engagement with clients, brokers, and BDMs.
- A motivated professional who thrives in a high‑ownership, rapid‑paced environment.
Salary, Benefits and Perks
- Generous salary + super
- Flexible work setting and hours
- Employee wellness benefits including gym memberships
- Subsidised mobile phone & internet
- Laptop + all the newest finance technology at your fingertips
- Ideal office locations (city fringe urban hubs with transport options)
- Access to employee discount program (major retailers, restaurants, utilities, experiences and more)
- Flexible public holiday swap option - swap up to 2 public holidays a year for those that are more meaningful to you
Seniority level
- Mid‑Senior level
Employment type
- Full‑time
Job function
- Finance and Sales
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📌 Credit Analyst (South Australia)
🏢 Brokerage
📍 South Australia
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