Credit Analyst

3 weeks ago

India Expert Lending Pathways Full time

Job Description

This is a remote position.

About Us
ELP is a rapidly growing outsourcing company with a strong presence across India and Australia. Established recently, we are now one of the fastest-growing firms in the sector.

About the role
Are you an experienced Credit Analyst ready to take the next step in your career Join ELP as a Mortgage Broking Credit Analyst and play a key role in helping our clients achieve their home ownership dreams.

This is a unique opportunity to join a dynamic team where your expertise will directly support our brokers by conducting in-depth credit assessments and providing expert insights into mortgage applications.

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 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 current with changes in mortgage lending policies and industry regulations
- Provide expert guidance to brokers on complex or self-employed applications
- Identify opportunities to enhance and streamline credit analysis processes
- Manage deadlines and prioritise tasks in a fast-paced environment

Requirements

What We're Looking For
- Minimum 1+ years of experience as a Credit Analyst in the Australian mortgage sector
- 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

Benefits

What We Offer
- Competitive salary package
- Flexible working arrangements
- Access to industry-leading technology and tools
- Ongoing training, learning, and professional development opportunities
- Supportive team environment with a strong focus on work-life balance
- Be part of a fast-growing company making a real impact in the mortgage space

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