Credit officer

7 days ago

Mumbai, India Task Mate Full time

Location - Bengaluru and NoidaEmployment - Full-Time Hybrid ModelExperience with an Australian mortgage brokerage firm is preferred.Experience - Minimum 1 year (MUST)We’re seeking an experienced Credit Analyst to join our Australian client. Our client is a leading mortgage brokerage firm based in Sydney, providing end-to-end financing solutions to individuals and businesses across Australia.About RoleYou will be responsible for assessing loan applications, analysing client financials, and preparing credit recommendations. You will evaluate the creditworthiness of both individual and business clients, ensure compliance with regulatory and lender requirements, and support the smooth processing of loans from application through to settlement.This role requires strong analytical ability, sound judgment, and a good understanding of the Australian lending environment.Key ResponsibilitiesConduct credit assessments and financial analysis for residential, commercial, and business loan applications.Verify and assess financial documents, including income, liabilities, and supporting statements.Analyse financial statements, cash flow, credit history, DTI ratios, and liquidityPrepare detailed credit reports, summaries, and recommendations for approval.Perform serviceability, pricing, and LMI calculations, ensuring compliance with lender and NCCP guidelines.Order and review property valuations, liaising with valuers and lenders as requiredCommunicate and coordinate effectively with clients, brokers, lenders, solicitors, and accountants.Monitor the progress of loan applications through to settlement and ensure client obligations are met.Maintain accurate data in CRM systems and ensure full regulatory compliance.Identify risk factors and recommend mitigation strategies for complex credit scenarios.Support post-settlement processes and manage client relationships.Skills & Qualifications• Bachelor’s degree in Finance, Accounting, Economics, or Commerce.• 1-3 years of experience in credit assessment, loan processing, or financial analysis (banking or mortgage industry background preferred).• Strong analytical skills and proficiency in Excel, financial modelling, and credit assessment tools.• Deep understanding of financial statements, liquidity ratios, and credit risk indicators.• Excellent written and verbal communication skills for reporting and presentations.• Strong decision-making and problem-solving abilities.• High attention to detail, with a focus on accuracy and compliance.

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