Job Description
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Founded in **** , our client's busioness was built from a decade of private banking experience and first-hand property investment success. The business is focused on strategic lending for clients pursuing multi-property portfolios, with an emphasis on complex financials, lender policy and sophisticated lending structures.
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The Credit Analyst supports the broker by taking the analytical and execution-heavy parts of the lending process and turning them into accurate, well-structured applications. The role combines credit judgement, loan structuring, application packaging and proactive stakeholder management.
What you will own n
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Analyse client financial information and complete serviceability and borrowing-capacity assessments.
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Research lender policy and identify lending options that fit the client's objectives, structure and circumstances.
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Develop loan scenarios, funding positions and pricing requests, and recommend practical structures to the broker.
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Prepare complete lender application packs, including compliance and lodgement documentation, lender notes and supporting evidence.
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Progress applications from submission through formal approval, keeping deadlines visible and issues resolved early.
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Manage day-to-day communication with brokers, clients, lenders, referral partners and conveyancers to maintain momentum.
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Coordinate valuations, credit queries and exceptions, and hand approved applications to settlement with complete documentation and context.
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What makes the role compelling n
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Work on lending scenarios where understanding the detail matters - including financial statements, company returns and company or trust structures.
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Become stronger at the intersection of credit analysis, lender policy and loan structuring rather than focusing only on transaction processing.
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See the full lending journey from initial analysis through submission, approval and settlement.
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The day-to-day n
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Credit analysis & structuring -
Review client financials, calculate servicing and borrowing capacity, interpret lender policy, test scenarios and recommend suitable structures.
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Application preparation -
Gather and check information, prepare application packs, order valuations, draft lender notes and lodge through aggregator or lender platforms.
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Pipeline management -
Own the flow of each application, monitor conditions and deadlines, solve issues early and keep stakeholders aligned.
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Settlement & compliance -
Coordinate the handover to settlement, maintain complete records and support compliance and aggregator audit requirements.
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Continuous improvement -
Identify recurring friction, improve processes and help the lending operation become more accurate and efficient.
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Essential experience and capability n
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Experience in a credit, lending support, loan analyst or closely related lending role.
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Strong analytical and communication skills, with the ability to explain credit and lending concepts clearly.
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High attention to detail and a disciplined approach to accuracy, checking and problem solving.
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Advanced capability in analysing financial statements and company returns.
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Confidence working with lending scenarios that involve companies, trusts or more complex structures.
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Diploma or Cert IV in Finance & Mortgage Broking.
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Experience working with mortgage aggregator platforms and/or lender submission systems.
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#J-*****-Ljbffr

📌 Credit Analyst (Victoria)
🏢 Finsure
📍 Victoria