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) nn
- 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 modern 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 nn
- Market-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 collaborative, professional, and forward‑thinking work environment based in Melbourne.
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📌 Senior Credit Manager/Mandarin Preferred (Melbourne)
🏢 THRY
📍 Melbourne