Credit Analyst

Responsibilities:

• Assess mortgage applications from self-employed borrowers, analyse income documentation, tax returns, and financial statements to determine eligibility and recommend appropriate lender / loan structure
• Collaborate with clients to understand their unique financial situations and provide tailored mortgage solutions that meet their needs and objectives.
• Liaise with lenders to negotiate terms and conditions on behalf of clients, ensuring competitive interest rates and appropriate loan structures.
• Guide clients through the mortgage application process, providing clear explanations of requirements, timelines, and next steps.
• Maintain up-to-date knowledge of mortgage products, lending policies, and regulatory requirements to ensure compliance and deliver best-in-class service to clients.
• Stay informed about market trends, economic indicators, and industry developments that may impact mortgage lending and self-employed borrowers.

Qualifications:

• Proven experience as a Credit Analyst, Small Business Banker or Home Lender, with a focus on serving self-employed borrowers.
• Strong understanding of mortgage lending principles, including underwriting guidelines, loan structuring, and credit analysis.
• Excellent communication and interpersonal skills, with the ability to build rapport with clients and stakeholders.
• Detail-oriented approach with strong analytical and problem-solving skills.
• Ability to work independently and manage multiple tasks efficiently in a fast-paced environment.
• Relevant certifications or qualifications in finance, mortgage broking, or related fields are preferred but not essential. We will assist you to obtain your Diploma of Mortgage Broking within 12 months if successful.
• Familiarity with SMSF lending practices and regulations is a plus, but not required.

Benefits:

• Comprehensive training and professional development opportunities.
• Supportive work environment with a focus on teamwork and collaboration.