A trusted non-bank lender is seeking a Mortgage Credit Analyst due to robust organic growth. This non-bank lender is known for their competitive edge in the market. A great chance for an experienced credit analyst or underwriter to join a growing team and elevate their skillset within specialist lending.

About the role:
Assess a variety of home loan applications predominantly via broker channels through to approval
Analyse borrower financials including income, expenses, assets and liabilities
Develop an understanding of credit risk, policy intent, and risk appetite, and how these apply to individual loan scenarios
Identify key risks and mitigating factors, escalating and recommending outcomes where appropriate
Prepare clear, well-reasoned credit assessments and recommendations
Work closely with brokers, BDMs, and internal stakeholders to support quality lending outcomes
Build knowledge of regulatory requirements and market trends,



contributing to continuous improvement of credit processes

What we’re looking for:
Experience as a mortgage credit assessor, analyst or underwriter within a non-bank is preferred
Experience with more complex mortgage structures, such as self-employed, low doc, alt doc and trusts
Clear written and verbal communication skills
A degree in finance, accounting, economics or a related field is desirable but not essential
Energy, positivity and a can-do attitude

What’s in it for you?
A welcoming and supportive team setting
A busy, fast paced and exciting workflow
Hybrid working
State-of-the-art office with additional perks & benefits

Please note Australian permanent residency or citizenship is required.

This role will move quickly. Submit your CV by Friday 30th October 2026 or contact Anita O'Connor at * to learn more.

📌 Residential Credit Analyst Sydney (Australia)
🏢 TOM Australia
📍 Australia