Job Description

Position: Senior Credit Analyst

Salary: AU$ 3,100 - AU $ 4,200/month

Working Hours & Conditions: Mondays to Fridays; 9:00 AM- 6:00 PM AEST

About the Role:

The Senior Credit Analyst supports mortgage brokers by managing the end-to-end loan processing cycle, from file setup and credit pre-assessment through to submission, progression, and settlement. The role requires strong attention to detail, confident lender liaison, and the ability to keep multiple files moving simultaneously within a fast-paced broking environment.

Duties and Responsibilities:

Liaise internally with Directors, Mortgage Brokers, and Broker Support Team; and externally with Clients, Lenders, Solicitors, Conveyancers, and Referral Partners.

CRM & File Management

• Manage and maintain Mercury CRM — keep pipelines accurate, notes up to date, tasks tracked, and files progressing through correct workflow stages.
• Set up new files, perform accurate data entry across CRM and lender platforms, and ensure all client data is filed and named to company standards.

Loan Processing, Packaging & Submission

• Conduct initial credit pre-assessments and prepare credit proposals in line with company processes.
• Package and prepare mortgage applications for submission — check, rename, and organise supporting documents; identify and resolve missing or incorrect items early.
• Prepare and submit AOL application packs; assist with pricing requests and order valuations.
• Ensure all applications meet regulatory, lender, and internal compliance standards prior to submission.

Settlement & Progression

• Follow up with lenders, solicitors, and conveyancers to keep files on track toward settlement.
• Monitor lender conditions, outstanding items, and deadlines; proactively escalate issues to the broker.
• Provide regular internal updates to maintain visibility across the team.

Client Communication & Relationship Management

• Serve as a key point of contact for clients from pre-assessment to settlement — guide document collection, respond to inquiries, and provide timely updates.
• Explain mortgage terms, interest rates, and repayment structures clearly and accurately.
• Conduct post-settlement annual interest rate reviews to support client retention and identify future opportunities.

Compliance, Professional Development & Team Collaboration

• Maintain up-to-date knowledge of lender policies, products, and industry regulations; attend training as required.
• Work closely with brokers to ensure smooth handovers; raise concerns promptly and contribute feedback on process improvements.
• Participate in team meetings and training sessions as required.

Requirements

SKILLS & EXPERIENCE:

• 4–5 years of experience in credit analysis within the AU Mortgage Broking Industry
• Strong understanding of mortgage, asset finance, personal loan, and commercial loan products and application processes
• Proven experience in end-to-end loan processing, packaging, and lender liaison
• Proficiency in CRM systems and lender submission platforms
• Excellent attention to detail, organisational skills, and time management
• Strong written and verbal communication skills
• Positive attitude, strong work ethic, and demonstrated problem-solving ability
• Ability to manage competing priorities across multiple files simultaneously
  

TOOLS & SYSTEMS (NON-NEGOTIABLE):

• Microsoft Outlook
• Mercury CRM (Connective)
• ApplyOnline (AOL)
• Quickli
• Microsoft Teams

PREFERRED SKILLS (NICE TO HAVE):

• Certificate IV in Finance and Mortgage Broking or equivalent
• Previous experience in a mortgage broking firm or lending institution
• Knowledge of regulatory requirements in the financial services industry