Credit Analyst

As an experienced Credit Analyst, you will be joining a leading mortgage brokerage firm based in Sydney, providing financing solutions to individuals and businesses across Australia. Your role will involve assessing loan applications, analysing client financials, and preparing credit recommendations. You will evaluate the creditworthiness of individual and business clients, ensure compliance with regulatory and lender requirements, and support the loan processing from application to settlement. Your strong analytical abilities, sound judgment, and understanding of the Australian lending environment will be crucial for success in this role. **Key Responsibilities:** - Conduct credit assessments and financial analysis for residential, commercial, and business loan applications. - Verify and assess financial documents, including income, liabilities, and supporting statements. - Analyse financial statements, cash flow, credit history, DTI ratios, and liquidity. - Prepare detailed credit reports, summaries, and recommendations for approval. - Perform serviceability, pricing, and LMI calculations, ensuring compliance with lender and NCCP guidelines. - Order and review property valuations, liaising with valuers and lenders as required. - Communicate and coordinate effectively with clients, brokers, lenders, solicitors, and accountants. - Monitor the progress of loan applications through to settlement and ensure client obligations are met. - Maintain accurate data in CRM systems and ensure full regulatory compliance. - Identify risk factors and recommend mitigation strategies for complex credit scenarios. - Support post-settlement processes and manage client relationships. **Skills & Qualifications:** - Bachelor's degree in Finance, Accounting, Economics, or Commerce. - 1-3 years of experience in credit assessment, loan processing, or financial analysis (banking or mortgage industry background preferred). - Strong analytical skills and proficiency in Excel, financial modelling, and credit assessment tools. - Deep understanding of financial statements, liquidity ratios, and credit risk indicators. - Excellent written and verbal communication skills for reporting and presentations. - Strong decision-making and problem-solving abilities. - High attention to detail, with a focus on accuracy and compliance.,