Australian Credit Analyst

• Analyse client financials including payslips, income structures, and employment types
• Accurately calculate base income, overtime, and variable earnings
• Interpret lender policies to determine borrowing capacity and loan suitability
• Run and compare multiple lender servicing calculators
• Use Quickli to assess borrowing capacity

• Develop a deep understanding of individual lender credit policies and niches
• Identify which lenders are best suited for each scenario based on their policy strengths and risk appetite
• Apply lender-specific rules such as:

• Overtime treatment (100% vs shading)
• Self-employed requirements (e.g. 1-year vs 2-year financials)
• Income verification variations
• Understand and utilise lender niches such as:

• ANZ – ability to consider 1-year self-employed financials in certain scenarios
• Macquarie Bank – policy allowing no financials/accountant letters when company income is not being used
• Stay up to date with lender policy changes and proactively apply them to scenarios
• Use policy knowledge strategically to structure deals for approval, not just assessment

• Analyse self-employed clients across structures including:

• Sole traders
• Partnerships
• Companies
• Trusts (including complex/multiple trust structures)
• Interpret financial documents such as:

• Tax returns
• Financial statements
• Notices of assessment
• Accurately extrapolate income and normalise earnings
• Understand how to trace business income back to the individual applicant(s)
• Identify add-backs, one-off expenses, and sustainability of income
• Apply lender-specific rules for self-employed income assessment

• Understand the fundamentals of Self-Managed Super Fund (SMSF) lending
• Identify required documentation for SMSF loan applications, including:

• Trust deeds
• Financial statements
• Compliance documents
• Support occasional SMSF scenarios where required

• Prepare strong, well-structured loan submissions to maximise approval chances
• Draft detailed submission notes tailored to each lender
• Build and present lender scenarios to BDMs for policy confirmation
• Package deals in line with lender expectations and credit appetite

• Maintain a strong understanding of Australian lending policies
• Know where to locate and how to interpret lender policies
• Ensure all applications meet compliance requirements (including BID standards)
• Identify risks that may impact approval outcomes

• Analyse bank statements to identify undisclosed debts or liabilities
• Conduct and interpret credit checks
• Understand credit scoring (good vs poor profiles and red flags)
• Identify issues that may delay or decline applications

• Liaise with lenders, credit teams, and BDMs
• Clearly communicate scenarios and follow up on applications
• Maintain professional, clear, and confident spoken English

• Assist with loan processing when required
• Conduct pricing negotiations with lenders
• Order and manage property valuations
• Understand and assess eligibility for Australian first home buyer schemes and grants
• Collaborate with internal team members and contribute feedback

• Minimum 5+ years’ experience as a Credit Analyst (Australian mortgage or banking)
• Strong experience with Australian mortgage lending
• Proven ability to interpret and apply lender policy
• Experience running servicing calculators across multiple lenders

• Experience with:

• Connective
• Mercury Nexus
• Go Hi Level (CRM Automation)
• AI - ChatGBT and the like
• Exposure to:

• Self-employed and complex lending scenarios
• Trust structures and company income analysis
• SMSF lending
• Demonstrated understanding of lender niches and policy differences

• Advanced financial analysis skills
• Strong understanding of:

• Income verification (payslips, overtime, allowances)
• Self-employed income assessment
• Credit reports and scoring
• Bank statement analysis
• Ability to identify risks and structure deals accordingly

• Excellent verbal and written English communication
• Confident speaking with lenders and BDMs
• High attention to detail
• Proactive and solutions-focused mindset
• Open to feedback and continuous improvement
• Team-oriented with a “hands-on” attitude

• High-quality submissions with strong approval rates
• Accurate and efficient credit assessments (including complex scenarios when required)
• Ability to match clients to the right lender based on niche and policy advantages
• Clear and effective lender communication
• Strong compliance track record

D2B