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AI Summary
The Credit Analyst will conduct thorough credit and risk assessments on mortgage applications, ensuring compliance with policies and regulations. Key duties include liaising with stakeholders to gather documentation, analyzing financial data to calculate borrowing capacity, and preparing detailed credit submissions with recommendations.
This is a remote position.
Apply only if you have prior experience in Australian (not US, not India, not UK) mortgage finance (not accounting or any other field) broker (not banks) experience.About Us
Expert Lending Pathways is a rapidly growing outsourcing company with a strong presence across India and Australia serving the Mortgage Finance industry.
About the role
Are you an experienced Credit Analyst ready to take the next step in your career? Join ELP as a Mortgage Broking Credit Analyst and play a key role in helping our clients achieve their home ownership dreams.
This is a unique opportunity to join a dynamic team where your expertise will directly support our brokers by conducting in-depth credit assessments and providing expert insights into mortgage applications.
- Conduct thorough credit and risk assessments on mortgage applications, ensuring compliance with internal policies and industry regulations
- Liaise with brokers, clients, and lenders to gather required documentation and clarify application details
- Analyze client financial data to calculate borrowing capacity in line with lender guidelines
- Prepare detailed credit submissions and recommendations for loan approvals
- Ensure compliance with all relevant banking, finance legislation, and regulatory frameworks
- Stay current with changes in mortgage lending policies and industry regulations
- Provide expert guidance to brokers on complex or self-employed applications
- Identify opportunities to enhance and streamline credit analysis processes
- Manage deadlines and prioritize tasks in a fast-paced environment
Requirements
What We’re Looking For- Minimum 2+ years of experience as a Credit Analyst in the Australian mortgage sector (we will not consider applications that don't match this criteria)
- Strong understanding of credit assessment methodologies, credit reports, and mortgage lending policies
- Proven ability to interpret financial statements and assess self-employed borrower scenarios
- Proficient with credit and mortgage assessment tools/software
- Excellent analytical and problem-solving skills with a keen eye for detail
- Strong verbal and written communication skills, with confidence in presenting to stakeholders
- Self-motivated with the initiative to work independently and make informed recommendations
Benefits
What We Offer- Competitive salary package
- Flexible working arrangements
- Access to industry-leading technology and tools
- Ongoing training, learning, and professional development opportunities
- Supportive team environment with a strong focus on work-life balance
- Be part of a fast-growing company making a real impact in the mortgage space
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