Credit Analyst - Mortgage Services

Company Description

Expert Lending Pathways is a rapidly growing outsourcing company with a strong presence across India and Australia serving the Mortgage Finance industry.

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.

Role Description

- 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

- Analyse 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 prioritise tasks in a fast-paced environment

Qualifications

- Minimum 2+ years of experience as a Credit Analyst in theAustralianmortgage 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

- 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