Credit Analyst, NZ Experience

• Review client applications and supporting documentation, including payslips, bank statements, loan statements, tax returns, and financial accounts
• Analyze income, expenses, assets, liabilities, credit commitments, and deposit positions
• Calculate borrowing capacity, assess affordability, and identify unusual transactions, undisclosed liabilities, or income inconsistencies
• Document assumptions, calculations, credit risks, and outstanding requirements, escalating complex or higher-risk files
• Complete lender serviceability calculators and model loan amounts, structures, terms, and repayment scenarios
• Compare servicing outcomes across New Zealand lenders
• Review proposed lending structures for compliance with lender policy and prepare scenario summaries
• Recalculate serviceability when interest rates, lending requirements, or client circumstances change
• Research and interpret New Zealand bank and non-bank lender policies
• Maintain internal policy reference notes, matrices, and reference materials
• Direct inquiries to lender representatives when authorized and communicate policy changes to the advisory team
• Ensure applications and supporting documents are complete, current, accurate, and ready for submission
• Draft application summaries and supporting credit notes
• Assist with submitting applications via approved lender platforms and monitor progress
• Manage outstanding conditions, valuations, pricing requests, and approvals
• Support purchases, pre-approvals, refinancing, restructuring, top-ups, and refixes
• Maintain complete and compliant digital records in MYCRM and NZFSG
• Record detailed file notes on client, adviser, lender, and third-party interactions
• Support suitability and compliance documentation under adviser direction while safeguarding client confidentiality
• Flag missing approvals or compliance concerns and support internal file reviews or audits
• Contact clients to request documents and clarify information without providing unauthorized financial advice
• Liaise with lenders, bank assessors, valuers, conveyancers, and accountants
• Improve credit assessment templates, calculators, and internal checklists

• Demonstrated recent experience as a Credit Analyst, Mortgage Adviser Assistant, Loan Processor, or Parabroker within the New Zealand mortgage industry
• Strong practical understanding of New Zealand residential lending, lender policies, and required application documentation
• Hands-on experience using MYCRM and NZFSG is required
• Proven capability to complete and interpret lender serviceability calculators, analyze complex income structures, and evaluate credit risks
• Excellent written and spoken English
• High numerical accuracy and strong problem-solving skills
• Ability to explain complex requirements clearly
• Reliable internet connection and quiet home-office setup
• Availability to work during agreed New Zealand business hours
• Relevant qualification in finance, banking, accounting, business, or financial services is advantageous, not required
• New Zealand Certificate in Financial Services or equivalent is beneficial but not essential
• Equivalent practical experience will be considered
• Preferred: experience assessing complex applications for first-home buyers, existing homeowners, and property investors across bank and non-bank lenders
• Preferred: experience evaluating self-employed borrowers and reviewing financial statements and tax returns
• Preferred: knowledge of current New Zealand mortgage industry compliance expectations and standards
• Preferred: experience collaborating directly with Mortgage Advisers or business principals
• Preferred: track record of creating lender matrices, credit assessment templates, or internal processing workflow improvements
• Strong self-management skills to run multiple files simultaneously
• Up-to-date knowledge of evolving credit criteria