Job Description

We're looking for an experienced Senior Credit Analyst to join our growing mortgage broking team.

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This role suits someone who loves solving complex lending scenarios, understands lender policy inside out, and takes pride in getting the structure right before an application reaches the lender.

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You won't simply process applications.

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You'll take ownership of the credit analysis and loan structuring behind each deal, working closely with our brokers to deliver strong outcomes for clients.

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The Role

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As our Senior Credit Analyst, you'll be responsible for assessing, structuring and preparing residential lending applications from initial strategy through to submission.

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Your responsibilities will include:

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- Complete servicing assessments across multiple lenders
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- Research and interpret lender credit policies
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- Recommend suitable lender and product options to brokers
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- Structure purchases, refinances, equity releases and investment lending
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- Review PAYG, self-employed, company and trust income
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- Analyse tax returns, financial statements and supporting financial information
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- Review existing loan structures and property portfolios
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- Identify credit and policy risks before submission
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- Prepare clear credit notes and application strategies
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- Package high-quality applications for submission
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- Work with lender BDMs and credit teams on complex scenarios
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- Review applications for accuracy, compliance and credit quality
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- Manage approval conditions and credit-related queries
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- Support and mentor junior team members
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- Help improve our internal credit processes and systems
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What We're Looking For

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You'll have strong experience in Australian residential lending, either within mortgage broking or banking.

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You should be comfortable receiving a client file and independently working through:

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We're looking for someone with:

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- Strong residential lending experience
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- Excellent knowledge of Australian lender policies
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- Advanced servicing and borrowing capacity skills
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- Experience with complex investment lending
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- Strong understanding of self-employed borrowers
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- Experience reviewing company and trust structures
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- Solid attention to detail
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- Clear written and verbal communication
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- Strong problem-solving skills
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- Confidence dealing directly with lenders, BDMs and credit teams
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- High personal accountability
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- The ability to manage multiple files without sacrificing quality
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- Experience with Mercury Nexus and ApplyOnline would be highly regarded.
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- Certificate IV or Diploma in Finance and Mortgage Broking would also be highly regarded.
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What Success Looks Like

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- You identify problems before the lender does.
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- Applications are structured correctly before submission.
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- Brokers trust your credit judgement.
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- Files move through assessment with fewer avoidable conditions and delays.
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- Clients receive a smooth experience.
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- And our brokers spend more of their time advising clients and growing relationships instead of researching policy and rebuilding applications.
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Why Join Us?

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We're building a mortgage broking business focused on delivering a high standard of advice and creating long-term client relationships.

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You'll work closely with experienced brokers and have genuine ownership of the credit function.

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There is room to grow with the business, take on greater responsibility and help shape how our credit team operates.

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If you're an experienced credit professional who enjoys solving lending problems and wants more ownership than a traditional processing role, we'd like to hear from you.

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📌 Senior Credit Analyst (New South Wales)
🏢 Neo Finance Group
📍 New South Wales