About Brokerage & Co:

Brokerage & Co is a well-established brokerage firm known for its client-first approach, deep market expertise, and strong professional network. We pride ourselves on delivering exceptional outcomes for our clients while fostering a high-performance, collaborative culture for our people.

The role:

The Head of Credit is a newly created role, central to Brokerage & Co's next phase of high growth. The successful candidate will build the credit platform — the policies, processes, resources, and tools — that will underpin how the business assesses and structures lending as it scales. Alongside this platform-building mandate, the role is a hands-on specialist position that combines direct ownership of the business's most complex, nuanced credit files with responsibility for lifting credit capability across the wider team.

This is not a purely management role — the Head of Credit remains a practising expert, personally structuring and resolving the scenarios that require the most experience, judgement, and sensitivity. The role is also client-facing, maintaining clear, high-quality communication with clients through complex or sensitive stages of their lending journey, and coaches Credit Assessors and Brokers so that complex scenarios are structured well the first time. Through platform-building, hands-on file work, client engagement, and coaching, the Head of Credit drives stronger credit outcomes, higher first-time-right submission rates, and a culture of continuous learning and solid credit judgement across the business.

Key Responsibilities:

Complex Credit Assessment & Specialist Expertise

- Personally assess, structure and manage the business's most complex, nuanced credit files — including scenarios involving unusual structures, sensitive client circumstances, or significant judgement calls — that require specialist expertise.
- Take direct carriage of complex files from initial assessment through to lender submission and settlement, rather than operating purely in an oversight or coaching capacity.
- Maintain deep, current, hands-on credit expertise by staying close to live files and evolving lending scenarios.
- Bring judgement and discretion to sensitive credit scenarios where client circumstances, reputational considerations, or lender relationships require careful handling.

Develop the Brokerage & Co Credit Platform: Coaching & Training:
- Coach and develop Credit Assessors and Brokers to improve technical credit knowledge and capability.




- Develop Credit Assessors' ability to independently analyse, structure and solve increasingly complex lending scenarios.
- Strengthen Brokers' understanding of lender policy, servicing and credit fundamentals.
- Provide coaching following declines, escalations, excessive lender conditions or difficult applications.
- Run regular credit training sessions using real scenarios and case studies.
- Keep the team informed of relevant lender policy changes and translate these into practical lending opportunities.
- Work closely with Brokers and Credit Assessors to improve communication and reduce unnecessary back-and-forth.
- Promote a culture of continuous learning, accountability and strong credit judgement.
- Lead the design and build-out of Brokerage & Co's credit platform — the policies, processes, tools and resources that underpin how the business assesses and structures lending.
- Develop and maintain internal credit resources, scenario guides and best-practice processes as core components of the platform.
- Establish scalable credit standards and ways of working that support the business as file volume and complexity grow.
- Partner with the Head of Operations on the technology and tools that support credit assessment and workflow.

Lending Guidance, Escalation & Quality Assurance:
- Provide guidance on complex lending scenarios, policy interpretation and deal structuring.
- Support the team with lender selection, servicing, income assessment and credit strategy.
- Act as an escalation point for difficult credit scenarios while building the team's ability to solve future scenarios independently.
- Review complex files and provide feedback before, during and after submission.
- Improve application quality and increase first-time-right submissions.
- Identify recurring credit errors, knowledge gaps and process issues across the team.
- Monitor credit quality and use trends, errors and outcomes to determine future coaching and training priorities.

Client Communication & Experience:
- Act as a client-facing point of contact on complex or sensitive files,



engaging directly with clients where specialist credit expertise is required.
- Maintain clear, professional, and high-quality communication with clients throughout the assessment, structuring, and submission process.
- Keep clients well informed at key milestones, managing expectations and reducing uncertainty during complex or longer-running lending scenarios.
- Partner with Brokers to ensure consistent messaging and a seamless client experience whenever the Head of Credit is engaged directly.

Qualifications & Experience

- 7+ years' experience in credit assessment or credit management within mortgage broking or financial services.
- Demonstrated experience structuring and resolving complex residential lending scenarios across multiple lenders.
- Experience coaching, training, or leading credit or lending staff, with a track record of lifting team capability.
- Experience building or scaling credit policy, processes, or resources within a broking or lending business.
- Deep working knowledge of lender policy, servicing calculators, and the residential lending regulatory environment in Australia.
- Relevant tertiary qualifications in finance, business, or a related discipline highly regarded.
- Relevant industry licences and accreditations (or eligibility to obtain them).

Skills & Attributes

- Exceptional technical credit knowledge, with sound judgement across complex, sensitive, and ambiguous lending scenarios.
- Genuinely hands-on — motivated by working complex files directly, not just overseeing others' work.
- Strong coaching and mentoring ability, with the patience and communication skills to build capability in others.
- Confident, clear communicator with clients — able to explain complex credit outcomes and next steps in plain, reassuring terms.
- Comfortable building things from the ground up — policy, process, and resources — not just operating within an existing framework.
- Comfortable acting as a calm, authoritative escalation point under pressure.
- Data-driven — able to spot patterns in errors, declines, and outcomes and turn them into targeted coaching and process improvements.
- Cooperative and approachable, building strong working relationships across Brokers and Credit Assessors.
- High personal integrity and a strong commitment to responsible lending and compliant credit practice.

Remuneration A competitive remuneration package will be negotiated with the successful candidate, including base salary, superannuation, and performance-based incentives.

📌 Head of Credit (Adelaide)
🏢 Brokerage u0026
📍 Adelaide