Lending Specialist (Credit Analyst)

Loan Market; Gold Coast City; On-site; AUD 90,000 - 120,000; Full time

Benefits offered by this job

Head of Credit mentoring

Work-life balance

Birthday leave

Wellness bonus

Team events

Team incentives

Vibrant culture

Funding Cert IV

AI tools for deals

Inclusive environment

Job summary

Loan Market Edge on the Gold Coast is seeking a confident Lending Specialist to own the credit process and help clients secure approvals. You’ll run serviceability across multiple lenders, vet files, and write the rationale that gets a loan over the line.

You’ll work with brokers and clients, using the latest tools and AI capabilities, with mentoring from our Head of Credit and a focus on work-life balance and professional growth.

Qualifications

• 3+ years in lending credit.
• Strong knowledge of residential lending products and policy.
• Excellent written and verbal communication with brokers and clients.
• Analytical and detail-oriented with source-checking habits.
• Willingness to learn new systems and AI tools.

Responsibilities

• Run serviceability across multiple lenders and products.
• Research scenarios and present strongest path to broker.
• Vet supporting documents before lodgement.
• Write clear credit rationale for complex applications.
• Respond to lender requests and work with credit officers.
• Support CSMs with credit queries and clear bottlenecks.
• Cover broker appointments during leave and assist training.
• Maintain MyCRM credit notes for visibility.
• Contribute to continuous improvement of credit processes.

Skills

Credit assessment

Lending knowledge

Communication

Analytical thinking

Education

Cert IV in Finance and Mortgage Broking

Tools

MyCRM

AI tools

Job description

Loan Market Edge is on the lookout for a confident, driven and technically sharp Lending Specialist to join our high-performing team on the Gold Coast. This role owns the credit behind every loan we write: running serviceability across our lender panel, finding the lender and structure that fit, vetting the file before it goes anywhere near a bank, and writing the rationale that gets it approved. Our brokers bring the client; you bring the way to a yes. Getting the credit right on day one is where our customers for life approach begins. For 16 years we have helped Queenslanders into their homes, and more than 500 of our clients have left us five-star Google reviews. Many of them thank a team member by name. In this role, that could be you.

What We Can Offer You

We believe in rewarding great people with a supportive and vibrant workplace. Here's what you can expect:

• Mentoring from our Head of Credit – deal structuring, lender policy and credit strategy from one of the most experienced credit leads in the network
• Work-life balance – we respect your time and wellbeing
• Birthday leave – enjoy a paid day off to celebrate you
• Annual wellness bonus – because your health matters
• Regular team events – in-person and virtual, we love to connect and celebrate wins
• Team incentives – recognition and rewards for a job well done
• A vibrant, professional yet relaxed culture – where your ideas and energy are welcomed
• Training and development – including a funded Cert IV if you don't already hold one
• Modern tools, including AI – so more of your day goes to the deals that need you
• Inclusive team environment – bring your whole self to work

Why Loan Market Edge?

We're one of the top-performing offices in the Loan Market network, driven by ambition, integrity, and a genuine commitment to client outcomes. We work for our clients, not the bank. You'll be joining a supportive team that values innovation, creativity, and community, in a business built around a customers for life approach, where a loan structured properly from the start is one that keeps working for the client for years.

What You'll Be Doing

• Running serviceability across multiple lenders and products, and knowing which calculator to trust and why
• Researching scenarios and recommending the strongest path to the broker, with the reasons and the alternatives
• Reading and interpreting lender policy, credit guidelines and loan notes, and staying ahead of changes
• Vetting supporting documents before lodgement, so every file goes in clean
• Writing clear credit rationale for complex, non-standard and exception applications
• Responding to lender More Information Requests and working directly with credit officers on technical questions
• Supporting our CSMs with credit queries during processing, and driving credit bottlenecks out of the pipeline
• Loan Market Edge · QLD Lifestyle Funding Pty Ltd t/a Loan Market Edge Page 2
• Covering broker appointments during leave periods, and helping the Head of Credit with training and lender updates
• Maintaining accurate MyCRM credit notes so anyone on the team can see where a file stands
• Contributing to continuous improvement of our credit processes

About You

• 3+ years in lending credit. Experience in bank credit assessment or underwriting, lending management, a senior CSM or para-broker seat, or broker-side credit analysis will be looked upon very favourably
• Strong working knowledge of residential lending products, lender policy and serviceability, including self-employed and investor income
• A confident, clear communicator with brokers, lenders and clients, in writing and on the phone
• Analytical and precise: you check the source and get the detail right
• You take ownership and drive things to a result without waiting to be asked
• Comfortable learning new systems and technology, including AI tools
• Thrives in a fast-paced, team-driven environment
• Energetic, positive and motivated to grow professionally
• Professional, ethical, and always putting client outcomes first
• Cert IV in Finance and Mortgage Broking, held or willing to complete (we fund it)

Ready to Make a Difference?

If you're driven to deliver great outcomes for people, take pride in doing things properly, and want to be part of a vibrant, forward-thinking team – we'd love to hear from you.