Senior Credit Analyst & Team Lead (AU Mortgage)

About the role

D2B is looking for an experienced Senior Credit Analyst and Team Lead to own end-to-end loan processing, lead credit assessments and directly supervise an offshore Virtual Assistant. The role suits someone with strong technical credit knowledge and leadership ability who takes full ownership of files and navigates complex lending scenarios proactively. Salary is AUD 2,100 - 3,150 per month depending on skills and experience, working Monday to Friday, 9:00 AM - 6:00 PM AEST.

Key responsibilities

• Liaise internally with mortgage brokers and the VA team, and externally with lenders, bank portals and compliance bodies.
• Perform preliminary credit assessments, run Quickli servicing calculations, evaluate Equifax credit reports, verify client documents and calculate borrowing capacity including non-standard and self-employed income.
• Resolve complex lending scenarios such as construction progress payments and irregular income, and ensure applications meet Australian credit licensing, lender credit guides, LVR boundaries and privacy rules.
• Quality-check AOL data entered by the VA before submission, source lender forms, fix submission issues and manage rework to protect turnaround times.
• Maintain deal tracking, file notes and workflow automation in Connective Mercury, keeping the pipeline clean and flagging risks to brokers.
• Supervise, train and guide the offshore VA, building their independence and escalating issues where needed.

Required profile

• At least 5 years in the Australian mortgage broking industry in credit assessment, loan processing or senior broker support.
• At least 1 year of direct people management experience and a willingness to mentor team members.
• Strong technical credit knowledge, non-standard income verification, credit score thresholds, LVR boundaries and lender policies.
• Excellent written communication, attention to detail and accuracy in a high-volume, fast-paced environment.
• Alignment with an inclusive, open-minded workplace culture serving a diverse client base.

Required skills

• Connective Mercury CRM (non-negotiable)
• Quickli for serviceability and borrowing capacity modelling (non-negotiable)
• ApplyOnline (AOL) at an advanced, hands-on level (non-negotiable)
• Bank serviceability calculators and lender portals
• Preferred: Broker Engine, CoreLogic or Salesforce; preferred: experience mentoring offshore VAs and handling high-volume broker pipelines