Credit Analyst

About Us

Expert Lending Pathways is a rapidly growing outsourcing company with a strong presence across India and Australia.

About the Role

Are you an experienced Credit Analyst ready to take the next step in your career? This is a unique opportunity to join a dynamic team where your expertise will directly support our clients by conducting in-depth credit assessments and providing expert insights into mortgage applications.

Key Responsibilities

- 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

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 do not meet 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 

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