- Building lender strategy on complex residential, commercial, trust and SMSF deals — the kind most brokers can’t place.
- Structuring deals to get them across the line, drawing on knowledge of second-tier and non-bank lenders and their policies.
- Assessing financials — tax returns, BAS, company/trust/SMSF structures — for serviceability and suitability.
- Negotiating with lenders and BDMs, managing credit questions, and resolving structuring or policy issues during the application.
- Running valuations, pricing, and product comparisons, and preparing clear funding tables and submission strategy.
- Delivering a clean, considered credit strategy ready for the processing team to execute — the one-touch approval standard.
- Driving speed to approval and settlement by getting the conditions and structure right upfront.

Requirements

- 5+ years in commercial, residential and trust/SMSF lending, with real exposure to complex structures.
- A genuine strategist — thinks outside the square, sees the structure others miss, and knows how to work the lender to get a yes.
- Strong knowledge of major bank, second-tier and non-bank lender policies.
- Commercial lending capability (used selectively,



but we want the option in-house).
- Likely an ex-broker or senior credit assessor who loves the craft but doesn’t want to run their own book or chase leads.
- Direct, confident communicator — plain language, no jargon, no hedging.
- Hungry and results-driven — motivated by getting hard deals done and being rewarded for it.
- Works autonomously and takes real ownership of outcomes.

Desirable

- Diploma of Financial Services or equivalent.
- Appetite and capability to grow into leading a team.

Benefits

- Competitive base plus commission — rewarded directly for placing complex deals.
- Profit-share on the table for the right person (no equity / no company control — a share of what we build together).
- Versatile working and hours — we’re hiring the best person, not the closest desk.
- A genuine path to lead a team and grow with the business.

Pay: From $250,000.00 per year

Benefits:

- Work from home

Experience:

- mortgage: 4 years (Preferred)
- Credit analysis: 4 years (Required)
- Lending: 4 years (Required)

Work Location: Hybrid remote in Perth WA

📌 Credit Analyst (Perth)
🏢 Polly English
📍 Perth