About the role
We are seeking a talentedCredit Analyst & Settlements Officer - Mortgages (Private Credit)to join FutureCap in Burleigh Heads, Queensland.
This is afull-time positionthat combines credit analysis expertise with settlements administration within our private credit mortgage division.
You will play a crucial role in supporting our lending operations, ensuring compliance with credit policies, and managing the settlement process for mortgage transactions.
This position is integral to maintaining the quality and efficiency of our mortgage portfolio.
Key responsibilities
Conducting comprehensive credit analysis on mortgage applications, including assessing borrower creditworthiness, property valuations, and loan-to-value ratios
Preparing detailed credit assessment reports with clear recommendations for loan approval, decline or conditional approval
Reviewing and analysing financial statements, tax returns, bank statements and other supporting documentation provided by applicants
Coordinating with valuation firms and ensuring property valuations meet lending requirements
Managing the mortgage settlements process, including liaising with legal representatives, financial institutions and borrowers
Preparing settlement documentation and ensuring all regulatory and compliance requirements are met prior to settlement
Monitoring loan conditions and ensuring all pre-settlement requirements are satisfied
Maintaining accurate records and documentation in accordance with lending and compliance standards




Identifying and escalating credit risks and exceptions to senior management
Supporting the credit team with portfolio analysis and performance reporting
What we're looking for
3-5 years' experience in credit analysis, mortgage lending or financial services, preferably in a private credit or non-bank lending environment
Strong understanding of credit principles, lending policies and risk assessment methodologies
Proven experience in mortgage settlements and conveyancing processes
Excellent analytical and problem-solving skills with meticulous attention to detail
Proficiency in financial analysis, including the ability to interpret financial statements and cash flow projections
Knowledge of regulatory and compliance requirements in Australian mortgage lending
Strong communication skills with the ability to liaise effectively with internal and external stakeholders
Proficiency with credit management systems and Microsoft Office applications
Ability to manage multiple tasks and meet deadlines in a fast-paced setting
Tertiary qualification in Finance, Commerce, Business or related discipline is advantageous
What we offer
FutureCap is committed to fostering a supportive and collaborative workplace where our team members can thrive.




We offer a competitive remuneration package, including superannuation contributions and performance incentives.
We provide professional development opportunities to support your career growth within the credit and financial services industry.
Our workplace culture emphasises work-life balance, and we offer flexible working arrangements to support your wellbeing.
We also provide access to employee assistance programs and wellness initiatives designed to support both your professional and personal development.
About us
FutureCap is a dynamic and innovative player in the Australian credit and lending market.
We specialise in private credit solutions, providing tailored mortgage and lending products to meet the diverse needs of borrowers.
Our mission is to deliver responsible lending practices combined with exceptional service to our clients.
We pride ourselves on our expert team, rigorous credit assessment processes and commitment to maintaining the highest standards of compliance and professionalism.
At FutureCap, we foster a culture of integrity, expertise and continuous improvement, where our team members are valued and empowered to contribute to our success.
Apply now
If you are an experienced credit professional with a passion for mortgage lending and settlements, we would like to hear from you.
Please submit your application including your resume, cover letter and references.
Join the FutureCap team and advance your career in the private credit sector.

📌 Credit Analyst & Settlements Officer - Mortgages (Private Credit) (Gold Coast)
🏢 FutureCap
📍 Gold Coast