Senior Mortgage Credit Analyst Support (AU)

About the role

An established finance and mortgage broking business is looking for a Senior Mortgage Credit Analyst Support person to act as a bridge between its four brokers and three Melbourne-based Credit Analysts. The role takes ownership of loan files from acceptance through to settlement, interpreting lender policies, assessing complex income structures and delivering audit-ready deal packages for credit review.

Key responsibilities

• Collect, audit and analyse client financial documents using Hello packs and MyCRM.
• Perform serviceability calculations, income shading, HEM benchmark comparisons and debt-to-income (DTI) analysis.
• Analyse self-employed financials (tax returns, financial statements) and identify allowable add-backs.
• Interpret lender credit policy (e.g. CBA, Macquarie, RedZed) to determine lender fit and flag decline risks early.
• Maintain complete compliance records (signed consents, fact finds, BID notes) and ensure files are 80% to 100% complete before handoff.
• Keep status, notes and tasks updated in MyCRM so any team member can review a file.
• Package and present fully prepared files to onshore Senior Credit Analysts for final review and submission via Apply Online / NextGen, and liaise with brokers and credit staff on policy nuances or missing information.

Required profile

• 3+ years in Australian residential loan processing, submissions or lender credit assessment.
• Strong understanding of serviceability mechanics (buffer rates, HECS/HELP treatment, credit card limit loading, LVR/LMI thresholds).
• Articulate written and verbal English, with a proactive approach to highlighting potential file issues.
• Ability to work fixed Australian business hours (9:00 AM to 6:00 PM AEST).

Required skills

• Experience with MyCRM (LMG); candidates with other Australian mortgage CRM experience who show high technical aptitude and willingness to learn are encouraged to apply.