Mortgage Credit Analyst ( AU) - Mercury

5 days, 19 hours ago
Full-time
Junior
Finance and Accounting
D2B

D2B

D2B specializes in connecting Australian businesses with top offshore talent, facilitating the hiring process to help companies scale efficiently and effectively.

Professional Services

Description

  • Analyse borrowers’ financial positions, including income, liabilities, assets, and living expenses.
  • Review payslips, tax returns, financial statements, bank statements, and other supporting documents.
  • Assess serviceability and borrowing capacity using lender calculators.
  • Identify lending risks, undisclosed liabilities, and recurring expenses.
  • Prepare accurate loan applications in Connective Mercury and submit packages through ApplyOnline.
  • Upload, organise, and manage supporting documents and lender checklists.
  • Complete compliance documentation and ensure files meet internal quality and regulatory standards.
  • Monitor application progress from submission to settlement and follow up on outstanding conditions.
  • Liaise with brokers, lenders, solicitors, and clients to resolve requests and obtain additional information.
  • Maintain accurate CRM records, client files, and application notes.

Requirements

  • Previous experience as a Credit Analyst, Credit Assessor, or Mortgage Credit Analyst with an Australian mortgage broker or lender.
  • Strong understanding of Australian residential lending policies and credit assessment principles.
  • Demonstrated experience analysing financial documents and assessing borrower serviceability.
  • Ability to identify lending risks and recommend appropriate loan structures.
  • Experience reviewing bank statements, payslips, tax returns, liabilities, and other financial documents.
  • Strong understanding of responsible lending obligations and compliance requirements.
  • Hands-on experience using Connective Mercury and ApplyOnline (AOL).
  • Excellent analytical, organisational, and problem-solving skills.
  • High level of accuracy and attention to detail.
  • Excellent written and verbal English communication skills.
  • Experience working with multiple Australian lenders (preferred).
  • Knowledge of lender credit policies and servicing calculators (preferred).
  • Experience with pricing requests and valuation ordering (preferred).
  • Proficiency in Microsoft Excel, Google Workspace, Adobe Acrobat, and Canva (preferred).

Interested in this position?

Apply directly on the company website

Apply Now

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