Credit Analyst

ORDE Financial; City of Melbourne; On-site; AUD 70,000 - 100,000; Full time

Benefits offered by this job

Three days in the office

Two days work from home

Bonus annual leave incentive

RizeUp support

Melbourne-based

Job summary

ORDE Financial, Melbourne-based, is seeking a Credit Analyst to support growth by delivering timely credit recommendations and decisions for broker-led loan applications.

You will assess scenarios, align with lending policies, and collaborate with brokers, BDMs and settlements to ensure quality outcomes while maintaining our risk culture. The role offers hybrid working in Melbourne and opportunities for development.

Qualifications

• Minimum 2–3 years' experience in a similar Credit Analyst role with a strong broker service focus.
• Comprehensive knowledge of NCCP, AML/CTF and the Privacy Act.
• Strong credit assessment and analysis capabilities.
• Experience managing to SLAs and settlement deadlines.
• Excellent verbal and written communication skills.
• Strong organisational skills with the ability to prioritise workloads and meet deadlines.
• Ability to operate in a fast-paced environment with high attention to detail and accuracy.
• Strong interpersonal skills and the ability to build effective relationships with colleagues, brokers and senior stakeholders.

Responsibilities

• Manage the end-to-end credit approval process for loan applications.
• Ensure all applications align with applicable credit criteria, lending policies, and the ORDE credit culture.
• Utilising your credit expertise to evaluate scenarios and proposals, tailoring solutions to individual circumstances.
• Progressively build your individual credit approval level.
• Collaborate closely with BDMs and brokers to find solutions while managing risk and delivering superior customer service.
• Communicate outcomes and decision-making rationale internally and externally.
• Work closely with the Settlements Team to ensure efficient, responsive settlements.
• Identify system, process, and product improvements.
• Ensure compliance with all regulatory and legislative requirements.

Skills

Credit assessment

Regulatory knowledge

NCCP Compliance

Communication skills

Stakeholder management

Attention to detail

Brokers service focus

Time management

Education

Bachelor’s degree in Finance/Commerce/Business

Delegated Lending Authority (DLA)

Tools

Salesforce

Job description

ABOUT ORDE FINANCIAL

ORDE is a nonbank lender of 200+ employees built exclusively for brokers, combining human and credit expertise with innovative technology to help brokers build stronger futures for their clients. We reflect the reality of today’s borrowers, from SMEs with complex needs to near-prime clients seeking clearer paths forward.

Since 2020, ORDE has funded more than $10b in loans and supported over 16,000 borrowers – all through brokers. We offer Residential, Commercial, SMSF and Construction loans and other specialised solutions, with fast decisions, deep credit insight and a streamlined digital experience.

We are passionate (and a bit obsessed…) about being disruptive and pushing hard to improve the experience and results for mortgage brokers. Our purpose “Built for Brokers” is clear and simple and define our entire strategy (delivering better experiences, more value and opportunity, anticipating more needs and communicating more solutions, for brokers and their customers).

WHY THIS ROLE EXISTS

As a Credit Analyst, you are responsible for supporting ORDE's growth by assessing lending applications and delivering sound, timely and consistent credit recommendations and decisions. The role partners closely with Brokers, BDMs, Settlements and internal stakeholders to achieve quality lending outcomes, manage risk appropriately and deliver a positive customer and broker experience.

WHAT AM I ACCOUNTABLE FOR?

• Managing the end-to-end credit approval process for loan applications.
• Ensuring all applications align with applicable credit criteria, lending policies, and the ORDE credit culture.
• Utilising your credit expertise to evaluate scenarios and proposals, tailoring solutions to individual circumstances.
• Progressively building your individual credit approval level.
• Collaborating closely and constructively with BDMs and brokers to find solutions while managing risk and delivering superior customer service.
• Communicating outcomes and decision-making rationale internally and externally.
• Working closely with the Settlements Team to ensure efficient, responsive, and proficient settlements.
• Conducting activities that reflect a commitment to quality and our risk culture and maintaining a can-do focus.
• Collaborating with your team to identify system, process, and product improvements.
• Ensuring compliance with all regulatory and legislative requirements.

WHY WOULD YOU CHOOSE US?

• We are a rapidly growing company that’s reshaping Australia’s non-bank lending landscape.
• We prioritise building a team of talented individuals whose experience, knowledge and can-do attitude set us apart.
• We genuinely care about our people and empower team members to set new benchmarks for themselves to support long-term development and career growth.
• We work in an supportive and authentic environment, where team members are encouraged to be themselves, speak up, and trust that they’ll be heard.
• We are Melbourne based and value time together in the office, while also supporting flexibility: three days in the office (Monday, Tuesday and Thursday) and two days working from home.
• We champion a highly collaborative culture and offer eligible employees up to one additional week of annual leave each year through our Working from Office bonus leave incentive.
• We provide clear objectives and real incentives to make sure your performance is recognised and rewarded.
• We proudly supportRizeUp, helping families impacted by domestic and family violence as part of our commitment to making a positive impact beyond lending.

WHY WOULD WE CHOOSE YOU?

Essential

• Minimum 2-3 years' experience in a similar Credit Analyst role with a strong broker service focus.
• Comprehensive knowledge of relevant financial services legislation and regulations, including NCCP, AML/CTF and the Privacy Act.
• Strong understanding of credit assessment and analysis frameworks.
• Proven ability and track record in solving complex and/or technical credit issues.
• Experience managing to service level agreements (SLAs) and settlement deadlines.
• Excellent verbal and written communication skills.
• Strong organisational skills with the ability to prioritise workloads and meet deadlines.
• Ability to operate effectively in a fast-paced environment with high attention to detail and accuracy.
• Strong interpersonal skills and the ability to build effective relationships with colleagues, brokers and senior stakeholders.

Desirable

• Relevant tertiary qualification in Finance, Commerce, Business or a related discipline.
• Hold a Delegated Lending Authority (DLA).
• Experience contributing to credit policy development.
• Experience supporting credit quality initiatives and outcomes.
• Experience participating in process improvement initiatives.
• Experience contributing to project work and broader business initiatives.
• Experience using Salesforce or other CRM platforms.