Credit Analyst

First Federal; North Sydney Council; On-site; AUD 90,000 - 130,000; Full time

Benefits offered by this job

5 weeks annual leave

Bonuses

Access to senior leadership

Career progression

Low-bureaucracy culture

Job summary

First Federal is seeking an experienced Credit Analyst in NSW to assess and approve residential and commercial loan applications, providing credit guidance to brokers and BDMs. You will contribute to fast, sound credit decisions across self-employed, alt-doc and specialist lending.

The role offers a competitive remuneration package with annual and quarterly bonuses, access to senior leadership, and genuine career progression opportunities in a high-trust, low-bureaucracy culture.

Qualifications

• Experience in credit assessment with delegation.
• Strong commercial acumen and risk management capability.
• Able to balance policy, risk and customer outcomes.
• Enjoy solving complex lending scenarios.

Responsibilities

• Assess and approve residential and commercial loan applications.
• Provide credit guidance to brokers and BDMs.
• Contribute to policy, products and processes at First Federal.
• Handle a broad range of transactions including self-employed borrowers, alt-doc and specialist lending.

Skills

Credit assessment

Lending delegation

Commercial acumen

Risk management

Communication with brokers

Non-bank lending

Job description

1d ago , from Illawarra Mercury Job Board

Join one of Australia's fastest-growing non-bank lenders. At First Federal, we're building something different.

We've combined experienced credit professionals, common-sense decision making and market-leading service to create a lending business that brokers genuinely enjoy working with. As we continue to grow, we're looking for experienced Credit Analysts to play a key role in shaping credit outcomes and helping drive the next stage of our success. This is an opportunity for a high-performing credit professional who enjoys making deals happen, thrives in a commercial environment, and wants a genuine seat at the table rather than being another cog in a large corporate machine.

Why First Federal?We know great people have choices, so we've built a workplace designed to attract and retain exceptional talent.Benefits include:5 weeks annual leave every year including Freedom Days for greater flexibility

Extremely competitive remuneration package with annual and quarterly bonuses

Access to senior leadership and direct influence on business outcomes

Fast-growing company with genuine career progression opportunities

High-trust, low-bureaucracy culture

Opportunity to help shape policy, products and processes

Modern technology and continual investment in systems and automation

About the RoleYou will be responsible for assessing and approving residential and commercial loan applications, providing credit guidance to brokers and BDMs, and contributing to First Federal's reputation for fast, commercially sound credit decisions.You'll work across a broad range of transactions including:Self-employed borrowers

Alt-doc and specialist lending

Commercial property transactions

Complex credit scenarios that require judgement and experience

What We're Looking ForWe're seeking people who:Have credit assessment experience and have held a lending delegation

Bring strong commercial acumen and risk management capability

Can balance policy, risk and customer outcomes

Enjoy solving complex lending scenarios

Communicate confidently with brokers and internal stakeholders

Have experience in non-bank, specialist or commercial lending

Thrive in a fast-paced, growth-oriented environment

Why This Role Is DifferentMany lenders talk about empowerment. At First Federal, you'll actually have it.We value experience, judgement and common sense. Our goal isn't to create more process for the sake of process. It's to find ways to say "yes" responsibly, deliver exceptional service to brokers, and provide real opportunities for talented people to grow with the business.