Job Description
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Join a rapidly growing, agile Mortgage Manager in Melbourne. High DLA, direct impact on credit policy, and a solution‐focused credit culture. Apply now!
About Us n
THRY Mortgage Management
is an emerging, dynamic Non‐Bank Mortgage Manager backed by leading wholesale funder relationships. We pride ourselves on speed, flexibility, and a genuine "solution‐oriented" approach to lending. Unlike traditional, rigid bureaucratic institutions, we look beyond the checkboxes to understand the real story behind every complex deal.
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As we scale our operations and implement cutting‐edge fintech systems, we are looking for
1‐2 exceptional Senior Credit Managers
to join our foundation team in Melbourne. This is a unique opportunity to shape our credit culture from the ground up and grow with the business.
The Role n
Reporting directly to the executive leadership team, you will hold a significant
Delegation of Lending Authority (DLA)
. You will be responsible for assessing and approving high‐value, complex residential and alternative‐doc (Alt‐Doc) loan applications while ensuring strict compliance with our warehouse funder guidelines.
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This is not just a back‐office processing role; you will be a key decision‐maker, a policy contributor, and a key point of contact for our elite broker network.
Key Responsibilities n
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Credit Assessment:
End‐to‐end assessment and decisioning of prime, near‐prime, and complex self‐employed (Alt‐Doc) loan applications within your DLA.
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Complex Structures:
Conduct deep‐dive financial analysis into complex servicing structures, including corporate entities, discretionary trusts, SMSF, and multiple income streams.
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Risk Mitigation:
Review and evaluate security properties (including high‐density or non‐standard securities) using valuation reports and market data to mitigate credit risk.
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Broker & Stakeholder Engagement:
Provide constructive,



professional, and solution‐focused feedback to mortgage brokers and internal BDMs on scenarios, conditions, or declines.
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Policy & Process Innovation:
Actively contribute to the enhancement of THRY's credit policies, Standard Operating Procedures (SOPs), and the optimization of our loan origination systems.
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Mentorship:
Provide guidance, coaching, and sign‐offs for junior credit underwriters to help expand the team's capabilities.
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What We Are Looking For (Your Profile) n
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Experience:
Minimum 5+ years of credit underwriting experience in the Australian mortgage industry, ideally with a
Non‐Bank Lender, Mortgage Manager, or Second‐Tier Bank
.
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High DLA:
Currently holding or recently held a substantial residential DLA
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Financial Acumen:
Exceptional skills in analyzing company financial statements, tax returns, BAS, and calculating complex serviceability.
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Mindset:
A strong "solution‐focused" mindset—you know how to look for compensating factors to make a deal work, without compromising on core risk parameters.
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Tech‐Savvy:
Comfortable working with up-to-date CRM and credit systems (experience with Salestrekker,
NextGen/ApplyOnline,
or Equifax is highly regarded).
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Communication:
Excellent verbal and written communication skills, with the ability to articulate complex credit decisions clearly and commercially.
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What's on Offer n
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Competitive Salary Package:
A lucrative base salary + superannuation, tailored to your experience and DLA capability.
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Career Growth:
As a founding member of the credit team, you will have a direct path to leadership roles as the company expands.
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Autonomy & Impact:
Say goodbye to endless red tape. Your voice matters here, and you will have a direct impact on our credit appetite and workflow design.
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Modern Culture:
A cooperative, professional, and forward‐thinking work environment based in Melbourne.
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#J-*****-Ljbffr

📌 Senior Credit Manager/Mandarin Preferred (Melbourne)
🏢 THRY
📍 Melbourne