Job Description

Senior Credit Analyst – Residential Lending
Mortgage House
North Sydney, NSW | Full-time | Office-based $115,000 – $135,000 (depending on experience)

Senior Credit Analyst role with real deal exposure and career progression

Mortgage House is an established non-bank lender with over 35 years of success in the Australian lending market. As we continue to grow our lending platform, we are seeking an experienced Senior Credit Analyst (Residential Lending) to join our high-performing credit team.

This is an office-based role in North Sydney, suited to professionals who want hands-on deal exposure, direct access to senior decision-makers, and faster career progression in a collaborative environment.

The Opportunity

As a Senior Credit Analyst, you will assess and approve complex residential mortgage applications and consumer lending deals, balancing commercial outcomes with strong credit risk management.

Working closely with senior credit leaders, brokers, and funding partners, you will gain real-time exposure to complex scenarios, deal structuring, and credit decision-making

This role offers a clear pathway into Senior Credit Manager / Credit Manager positions

Key Responsibilities

• Assess and approve residential home loans, personal loans, and variations within delegation
• Analyse complex borrower scenarios, including self-employed, non-standard income, and policy exceptions
• Apply sound credit judgement aligned with risk appetite, NCCP, and responsible lending obligations
• Identify and escalate credit risks, trends, and portfolio insights
• Work closely with brokers, aggregators, white label partners, and funding panels
• Liaise with mortgage insurers and warehouse / funding partners
• Contribute to credit policy, process improvements, and credit frameworks
• Deliver consistent decisions within agreed SLA / turnaround times
• Mentor junior analysts and support team capability uplift

About You

• 5+ years’ experience in residential credit assessment / credit analyst roles
• Strong experience with complex lending scenarios (non-standard, self-employed, policy exceptions)
• Background in a bank, non-bank lender, or specialist lending environment
• Solid understanding of NCCP, responsible lending, and credit risk frameworks
• Strong analytical skills with the ability to make commercial, balanced decisions
• Excellent communication skills and ability to articulate credit decisions clearly
• Comfortable working in a fast-paced, growth-focused lending environment

Why Join Mortgage House?

• Competitive salary: $115,000 – $135,000 + bonus
• Exposure to non-bank lending, securitisation, and funding structures
• Direct access to senior credit leaders and faster career progression
• Opportunity to influence credit policy and lending strategy
• High-performing, collaborative team environment
• Modern North Sydney office with harbour views
• Convenient location close to public transport, shops, and amenities
• Employee Assistance Program (EAP)

Apply

If you’re a Senior Credit Analyst looking to step into a more commercial, high-exposure role with genuine progression opportunities, we’d love to hear from you.

Apply now with your resume.