Job Overview

Our client is seeking an analytical, detail-oriented Credit Analyst – Mortgage & Property Lending to support sound underwriting and risk decision-making across a diverse, property-backed lending portfolio. In this role, you will be responsible for conducting deep-dive financial analysis, serviceability calculations, and thorough property risk evaluations. You will play a pivotal role in the end-to-end lending lifecycle—interpreting borrower bank statements, auditing asset valuations, verifying corporate financials, and synthesizing complex data points into high-quality credit submissions for the Head of Credit. If you possess a strong foundation in property-backed or SME lending and want to advance your career within a structured, high-growth credit team, this position offers an exceptional remote opportunity.

Schedule

• Monday - Friday, 9:00 AM - 6:00 PM AEST (Alexandria, VIC Time), with a 1-hour unpaid break (40 hours per week)

Responsibilities

• Credit Analysis & Underwriting: Review incoming loan applications, corporate financial statements, tax returns, bank records, and credit bureau reports to verify borrower character and capacity.
• Property & Market Research: Conduct rigorous property inspections via desktop research, audit independent valuer assessments, execute feasibility checks, and analyze local market data trends.
• Credit Paper Preparation: Write comprehensive credit submissions, financial modeling analyses, and structured risk summaries, providing definitive approval or decline recommendations to the Head of Credit.
• Deal Structuring: Assist in structuring complex residential or commercial lending deals to align precisely with the firm’s credit policy parameters and overarching risk appetite.
• Stakeholder Pipeline Management: Liaise professionally with mortgage brokers, borrowers, external valuers, and internal legal or operations teams to keep the application pipeline moving efficiently.
• Compliance & Portfolio Monitoring: Audit active loan files to ensure absolute compliance with internal lending mandates, track loan covenants, and monitor ongoing portfolio risk indicators.
• Process Optimization: Identify data trends or operational bottlenecks and contribute actionable ideas to enhance the efficiency of proprietary credit underwriting workflows.

Requirements

• Credit Experience: 2+ years of direct experience in credit analysis, credit support, mortgage lending operations, or commercial financial analysis.
• Lending Mechanics: A solid, practical understanding of property-backed lending, SME finance, commercial real estate, or complex residential mortgage structures.
• Financial Literacy: Advanced analytical skills with a proven ability to interpret balance sheets, profit & loss (P&L) statements, and calculate debt service coverage ratios.
• Technical Software Skills: High proficiency operating Microsoft Excel (data modeling and formulas) and familiarity working within corporate lending CRMs or loan origination software (LOS).
• Communication: Exceptional written and verbal English communication skills, specifically tailored for compiling technical legal/financial credit briefs.

Qualifications

• Previous experience in private lending, non-bank lending (MFI/NBFC), mortgage broking, or commercial banking is highly regarded.
• Direct exposure to structuring specialized facilities such as bridging loans, construction/development finance, or asset-backed lending.
• Tertiary qualifications (Degree or Diploma) in Finance, Accounting, Economics, or a related business field are considered a distinct advantage.

Independent Contractor Perks

• Permanent work from home
• Immediate hiring
• Health Insurance Coverage for eligible locations 

Note

Please click the "Apply" button to complete your application, including the assessment questions, technical check, and voice recording. Your hourly pay rate will be established based on your performance in the application process; submissions with all requirements fulfilled will receive priority review.