Senior Credit Analyst – AU Mortgage Experience

• Analyze borrower scenarios, including PAYG, self-employed, and complex structures
• Structure deals across refinances, cash-out/equity release, pre-approvals, multi-lender/proprietary products, and basic SMSF lending
• Prepare and submit loan applications via Connective
• Complete and manage MIRs (More Information Requests)
• Review supporting documents for completeness and credit strength
• Identify risks and propose alternative structures before submission
• Liaise with lenders, BDMs, and internal stakeholders
• Maintain accurate notes and pipeline in Mercury CRM

• 4+ years in Australian mortgage broking / credit analysis
• Strong experience with complex deals, including non-vanilla PAYG scenarios
• Experience with refinance and equity release scenarios
• Experience with pre-approvals and submissions
• Hands-on experience with Connective (non-negotiable)
• Experience with Mercury CRM strongly preferred
• Solid understanding of lender policies and servicing
• SMSF lending exposure nice to have
• Experience with non-bank / specialist lenders nice to have

• Remote work
• Full-time schedule aligned with Australian hours
• Australian public holidays