Job Description

Mortgage House is an award-winning finance company with over 35 years of success in the Australian lending market. As we continue to scale our lending platform, we are seeking a high-calibre Senior Credit Analyst to play a key role in driving credit quality, consistency, and growth.

Our team is ambitious, commercially minded, and collaborative—and we’re looking for someone who can operate with both sound credit judgement and a strong understanding of the non-bank lending environment.

The Role

As a Senior Credit Analyst, you will be responsible for assessing and approving complex residential and consumer lending applications, while maintaining a strong focus on credit quality, compliance, and turnaround times.

You will also play a key role in mentoring team members and contributing to the ongoing refinement of credit policies, frameworks, and processes.

Key responsibilities include:

• Assess and approve new mortgage applications, personal loans, and variations within delegation
• Make sound, commercially balanced credit decisions aligned with risk appetite and policy
• Identify and escalate credit quality issues, trends, and emerging risks
• Contribute to the development and enhancement of credit policies, tools, and processes
• Build and maintain strong relationships with internal stakeholders, brokers, white label partners, and funding panels
• Liaise with mortgage insurers and funding partners to maximise application outcomes
• Deliver timely, accurate, and consistent credit decisions
• Mentor and support junior analysts and lending staff on complex scenarios
• Promote a collaborative, high-performance credit culture

About You

• Extensive experience in residential lending, with a strong background in credit assessment and approval
• Demonstrated ability to assess complex applications and exercise sound credit judgement
• Strong understanding of lending regulations (NCCP), credit policy frameworks, and risk management principles
• Excellent communication skills, with the ability to clearly articulate and justify credit decisions
• High attention to detail, with strong analytical and problem-solving capability
• Ability to operate in a fast-paced, growth-focused environment
• Relevant tertiary or industry qualifications (Finance, Commerce, Credit, Mortgage Broking or similar)

Why Join Mortgage House?

• Exposure to securitisation, funding structures, and non-bank lending models
• Opportunity to influence credit policy and contribute to business growth
• Modern North Sydney office with harbour views
• Supportive team culture with genuine development opportunities
• Employee Assistance Program (EAP)
• Convenient location close to transport, shops, and amenities

If you’re looking to take the next step in your credit career and make a meaningful impact in a growing non-bank lender, we’d love to hear from you. Apply now.