Direct message the job poster from The Australian Lending & Investment CentreWe are seeking a detail-oriented and analytical Mortgage Credit Analyst to join our team.
In this role, you will be responsible for assessing, analysing, and evaluating mortgage applications to determine creditworthiness and ensure compliance with lending policies and regulatory requirements.
The ideal candidate will have a strong understanding of credit risk assessment, financial analysis, and mortgage lending practices.Key ResponsibilitiesCredit Assessment & AnalysisReview and assess mortgage applications, including financial statements, credit reports, income verification, and loan-to-value ratios.Conduct detailed risk assessments to determine borrower creditworthiness and repayment capacity.Analyze financial data, tax returns, bank statements, and other supporting documentation.Loan Structuring & Decision MakingMake informed lending recommendations based on financial analysis, industry guidelines, and company policies.Assess the suitability of loan structures and suggest appropriate loan terms and conditions.Work closely with brokers, underwriters, and loan processors to ensure accurate and timely credit decisions.Ensure all credit decisions comply with regulatory requirements and internal credit policies.Identify potential risks in mortgage applications and propose risk mitigation strategies.Maintain accurate documentation and records to support compliance audits and reporting.Stakeholder EngagementCommunicate with brokers, clients, and internal teams to obtain required documentation and clarify loan requirements.Provide expert advice on complex loan scenarios and credit structuring.Collaborate with internal departments to improve loan processing efficiency and customer experience.Qualifications & ExperienceStrong knowledge of mortgage lending, credit policies, and financial analysis.Proficiency in analyzing credit reports, income documents, and risk assessment metrics.Familiarity with loan origination systems (LOS) and CRM platforms.Detail-oriented with excellent problem-solving and decision-making skills.Strong verbal and written communication skills to liaise with clients and stakeholders.Ability to work in a fast-paced environment and meet deadlines.Bachelor's degree in Finance, Business, Economics, or a related field (preferred).2+ years of experience in mortgage credit analysis, underwriting, or a related role.Strong understanding of regulatory requirements (e.g., NCCP Act, AML/CTF regulations).Experience with mortgage lending platforms and credit assessment tools.Why Join Us?Be part of a high-performing and dynamic team in the mortgage lending industry.Work in a fast-growing and innovative financial services environment.Enjoy professional development and career growth opportunities.If you have a keen eye for detail, a strong financial acumen, and a passion for responsible lending, we invite you to apply for the Mortgage Credit Analyst position today!Seniority levelEntry levelEmployment typeFull-timeJob functionFinance and Sales
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