Senior Mortgage Credit Analyst

• Take complete ownership of residential loan files from returned client documentation through detailed assessment, lender selection, lodgement, formal approval, and settlement.
• Review income, expenses, liabilities, and supporting documentation for missing information, discrepancies, and credit issues.
• Conduct serviceability calculations using Quickli and individual lender calculators, verifying complex income streams and liability structures.
• Formulate proposed loan structures aligned with client objectives, assumptions, and policy considerations.
• Research lender policies and evaluate options based on client requirements, servicing capacity, pricing, fees, and product features.
• Order property valuations and pricing requests; liaise with lender BDMs and credit teams regarding policy eligibility.
• Present justified lender shortlists and structural proposals to the Principal Broker.
• Prepare BID supporting notes, lender comparison rationale, credit proposal documents, and submission summaries.
• Maintain client records and file notes in Connective Mercury; construct compliant applications in Apply Online (AOL).
• Obtain broker approval for lenders, structures, and documentation before formal submission.
• Track applications through conditional approval, formal approval, and settlement.
• Coordinate with lenders, clients, and conveyancers to clear conditions and satisfy settlement requirements.
• Provide operational client updates and keep Mercury tasks and milestones current.
• Drive file progression independently, report blockers and deadlines, and maintain operational checklists and repeatable processes.

• Minimum 4+ years of hands-on experience supporting Australian residential mortgage broking, with demonstrated responsibility from initial assessment through to settlement.
• Essential proficiency in Connective Mercury and Apply Online (AOL).
• Proven track record in detailed serviceability assessment, policy research, and loan structuring beyond standard application administration.
• Direct experience drafting BID supporting rationale, credit proposals, and lender submission notes for broker review.
• Strong document verification skills, including PAYG income assessment and straightforward self-employed scenario evaluation.
• Exceptional written and spoken English with the confidence to communicate professionally with clients, lenders, and BDMs.
• Experience with Quickli serviceability software and a wide array of Australian lender-specific calculators preferred.
• Exposure to a referral-based broking environment handling steady monthly file flows of 8–10 files/month preferred.
• Proactive self-starter mindset that acts on next steps independently and escalates blockers early alongside proposed solutions.
• Meticulous attention to detail to catch document discrepancies, policy edge cases, and calculation errors before lodgement.
• Clear understanding of decision boundaries, knowing when to execute independently versus when to seek Principal Broker sign-off.
• Excellent organizational skills to keep multiple files moving concurrently while maintaining clean CRM records and timely client communication.