Credit Analyst/Senior Parabroker (019-1443)

• →Income assessment: Review and analyse PAYG income, including base salary, overtime, commissions, allowances, and casual income, to determine assessable income in line with lender policies.
• →Self-employed analysis: Analyse self-employed financials (tax returns, financial statements, BAS, NOAs) and calculate assessable income accurately.
• →Lender selection: Assess each client's financial circumstances and desired outcome, research relevant lender policies, and recommend suitable lenders based on eligibility, serviceability and available lending options.
• →Deal structuring: Assess client scenarios, identify potential issues, and develop well-supported recommendations for suitable loan structures based on the client's financial position and desired outcome.
• →Compliance: Prepare compliance documentation, including the GamePlan, preliminary assessments and supporting notes, as required.
• →Processing: Where required, complete relevant information in MyCRM and prepare applications through ApplyOnline (AOL) for submission. Manage and respond to lender requests for more information (MIRs) as needed.
• →Collaboration: Work closely with the hiring manager and Team Leader to discuss complex files, validate calculations, share research, and work through challenging lending scenarios together.
• →Pipeline management: Maintain relevant file updates in MyCRM and Trello to support visibility across active cases and help the team track progress.

• Proven experience as a Credit Analyst, Parabroker, or in a similar credit assessment role within the Australian residential mortgage market.
• Strong ability to assess PAYG income and analyse financial documents for self-employed applicants, including calculating assessable income accurately.
• Sound understanding of major Australian lenders and their credit policies, including the ability to research lender requirements and determine suitable options for different client scenarios.
• Strong analytical thinking and comprehension skills, with the ability to assess complex scenarios and make sound recommendations.
• High attention to detail and commitment to producing accurate, well-presented work.
• Excellent written and spoken English communication skills.
• Proficiency in Microsoft Excel, Word, and Adobe Acrobat.
• Proactive and collaborative, with the ability to take ownership of complex assessments, contribute to team discussions, and continuously develop credit expertise.

• Experience with MyCRM (Loan Market Group) or another aggregator CRM.
• Experience with ApplyOnline and Trello.
• Experience assessing a range of Australian residential lending scenarios, including complex PAYG and self-employed applications.

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”)