Credit Analyst
3 weeks ago
Job Description
*PLEASE ONLY APPLY IF YOU HAVE AUSTRALIAN MORTGAGE EXPERIENCE (NOT US, UK OR INDIA)*
Company Description
Expert Lending Pathways is a dedicated support partner for mortgage brokers, streamlining administrative and financial operational tasks to help businesses focus on growth. Utilising technology and deep industry expertise, we manage everything from compliance and documentation to customer service. Our goal is to ensure seamless day-to-day operations for our clients.
Role Description
This is a full-time remote role for a Credit Analyst Mortgage Broking. The Credit Analyst will be responsible for evaluating the financial health and creditworthiness of mortgage applicants, analysing financial data, generating credit reports, and ensuring compliance with regulatory standards. Key tasks also include maintaining communication with clients and providing recommendations based on credit analysis.
Key Responsibilities
- Conduct thorough credit and risk assessments on mortgage applications, ensuring compliance with internal policies and industry regulations
- Liaise with brokers, clients, and lenders to gather required documentation and clarify application details
- Analyse client financial data to calculate borrowing capacity and run servicing calculators in line with lender guidelines
- Prepare detailed credit submissions and recommendations for loan approvals
- Ensure compliance with all relevant banking, finance legislation, and regulatory frameworks
- Stay informed with changes in mortgage lending policies and industry regulations
- Provide expert guidance to brokers on complex self-employed applications
- Identify opportunities to enhance and streamline credit analysis processes
- Manage deadlines and prioritise tasks in a fast-paced environment
Qualifications
A bachelor's degree
- Minimum 1+ years of experience as a Credit Analyst or similar role in the mortgage/finance sector IN AUSTRALIA
- Strong understanding of credit assessment methodologies, credit reports, and mortgage lending policies
- Proven ability to interpret financial statements and assess self-employed borrower scenarios
- Proficient with credit and mortgage assessment tools/software
- Excellent analytical and problem-solving skills with a keen eye for detail
- Strong verbal and written communication skills, with confidence in presenting to stakeholders
- Self-motivated with the initiative to work independently and make informed recommendations
Why Join Us
- Competitive Salary Package: Rs 50,000 75,000 per month, depending on experience
- Laptop Provided: We'll supply the necessary equipment to support your role
- Flexible Working Arrangements: This is a remote (work from home) role.
- Flexible Timings: 9-hour shifts (including a 1-hour break) between 5:00 AM 3:00 PM IST
- Professional Development: Ongoing training and learning opportunities to support your career growth
- Supportive Team Culture: A collaborative work environment with a strong emphasis on work-life balance
- Meaningful Impact: Be part of a fast-growing company making a real difference in the mortgage industry
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