Cairns, Cairns and Far North QLD (Remote)Mortgages (Banking and Financial Services)Full time90,000 to 115,000 per yearMortgage BrokingLendingCredit AnalysisWhy Blue Collar Money?
We're a mortgage brokerage servicing Australia wide, built for the blue-collar workforce.
Tradies and FIFO workers are our jam.
We get it because we've lived it to our founder Kurt a diesel fitter by trade spent over 10 years working FIFO before building Blue Collar Money.
He's walked in our clients' shoes, and that's exactly why we do things differently.This isn't a suite and tie kind of gig, you can wear footy shorts and thongs for all we care because its not about what you wear it's about the value we provide beyond the mortgage.So we're on a mission to build Australia's #1 mortgage brokerage for the blue-collar workforce, and we're looking for someone who wants to help us build it , sound like you ?
About the role ?
We're looking for an experienced Credit Analyst to join our growing mortgage broking team.
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.You won't simply process applications.
You'll take ownership of the credit analysis and loan structuring behind each deal, working closely with our main broker and a support admin staff member.The role As our Credit Analyst, you'll be responsible for assessing, structuring and preparing residential lending applications from initial strategy through to submission.
You won't be doing this on your own.
You'll be backed by one of our support team members,



who'll step into your role when you're away.
In turn, you'll play a key part in training and supporting our current support staff to we work as one connected team, not in silos.Your responsibilities will include:Analyzing complex residential lending scenarios and recommending suitable lender and product optionsCompleting servicing assessments across multiple lendersResearching and interpreting lender credit policiesStructuring purchases, refinances, equity releases and investment lendingReviewing PAYG, self-employed, company and trust income, including tax returns and financial statementsReviewing existing loan structures and property portfoliosIdentifying credit and policy risks before submissionPreparing explicit credit notes and application strategies, and packaging high-quality applications for submissionWorking with lender BDMs and credit teams on complex scenariosReviewing applications for accuracy, compliance and credit quality, and managing approval conditionsProviding training and support to our current support staff, helping the whole team growHelping improve our internal credit processes and systemsWhat we're looking forWhat we're looking for You'll have strong experience in Australian residential lending, either within mortgage broking or banking.




You should be comfortable receiving a client file and independently working through:Client position Borrowing capacity Credit policy Loan structure Lender selection Application strategyStrong residential lending experience, with excellent knowledge of Australian lender policiesAdvanced servicing and borrowing capacity skills, including complex investment lendingStrong understanding of self-employed borrowers, and company and trust structuresStrong attention to detail and problem-solving skillsClear written and verbal communicationConfidence dealing directly with lenders, BDMs and credit teamsHigh personal accountabilityThe ability to manage multiple files without sacrificing quality Experience with AFG Flex, Broker Engine ,Apply Online , Quickli would be highly regarded.Certificate IV or Diploma in Finance and Mortgage Broking would also be highly regarded and or looking to progress into a broker role.Bonus points if you have a trade or have worked FIFO or have worked with FIFO or Tradie's beforeWhat success looks likeClear communication to emails can be a poor form of communication so picking up the phone to clarify detail is keyAn environment where you have autonomy to run your own race and be yourself to we want personalityFiles move through assessment with fewer avoidable conditions and delaysClients receive a smooth experienceYou're not just processing files to you're helping us build Australia's #1 mortgage brokerage for the Bluecollar workforce, and one day you'll look back knowing you part of building something big from the ground
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📌 Credit Analyst (Townsville)
🏢 Blue Collar Money
📍 Townsville