Senior Credit Analyst (023-1421)

Senior Credit Analysis and Loan Structuring

• →Lead end-to-end credit assessments across a diverse client portfolio
• →Complete complex servicing calculations for PAYG, Self-Employed, and mixed income clients
• →Independently structure loans aligned with client strategy, tax considerations, and lender policy
• →Assess and support complex lending scenarios, including:

• →Trust structures (Discretionary, Unit, Corporate Trustee)
• →SMSF lending (LRBA structures)
• →Multiple entities, guarantors, and securities
• →Investment, portfolio, and debt recycling strategies

• →Use Mercury to assess servicing and policy suitability
• →Conduct in-depth lender policy comparisons and recommend optimal credit solutions

Loan Application Oversight

• →Prepare and review lender-ready submissions for accuracy, compliance, and strategy
• →Provide guidance to Brokers on lender selection and structuring considerations
• →Proactively identify and address credit risks prior to submission
• →Manage complex conditions, credit escalations, and lender queries
• →Ensure all applications meet NCCP, compliance, and internal quality standards

Documentation, Reporting, and Systems

• →Maintain high-quality credit notes, servicing worksheets, and file documentation
• →Ensure accurate record-keeping across CRM, Asana, and internal systems
• →Review task statuses, timelines, and handovers for credit-related workflows
• →Prepare lending summaries and technical credit reports where required

Process Leadership and Continuous Improvement

• →Contribute to the development and refinement of credit assessment frameworks
• →Assist in building and maintaining credit-related SOPs and templates
• →Identify and implement efficiency improvements within credit workflows
• →Provide technical guidance and informal mentoring to junior credit team members

Cross-Team Collaboration and Support

• →Work closely with Mortgage Brokers, Advisers, and Client Onboarding teams
• →Support complex client scenarios requiring multi-disciplinary input
• →Ensure all loan files are audit-ready and compliant
• →Contribute to projects aimed at improving client experience and lending efficiency

• Extensive Australian mortgage credit experience (senior level)
• Strong expertise in servicing, loan structuring, and policy interpretation
• Proven experience handling complex lending (Trusts, SMSF, SE clients)
• High-level analytical and problem-solving capability
• Exceptional attention to detail and accuracy
• Strong time management and prioritisation skills
• Clear, confident, and professional communication
• Ability to operate autonomously in a remote environment
• Client-first mindset with a strong compliance focus
• Proactive leadership mindset and commitment to continuous improvement
• Experience supporting or mentoring junior credit staff is advantageous

An IT remote assessment will be conducted.

• Windows desktop or laptop (Windows 7 or above) or Mac (OS 10.8 or above)
• Working webcam and headset with microphone
• Stable wired internet connection
• Backup internet connection (pocket WiFi or mobile broadband)
• Quiet and professional home working environment

• Strong attention to detail is essential
• Role follows Australian business hours
• Full time equivalent, long-term role with career progression opportunities 

This is a remote role that will be set up as an independent contractor engagement.

To ensure alignment and transparency, successful candidates will be expected to:

• Disclose any existing ongoing roles or client work
• Reflect this engagement on their LinkedIn profile (clearly marked as “Independent Contractor”)