Remote Mortgage Credit Analyst — Complex Lending Specialist

Blue Collar Money

Cairns Regional

Remote

AUD 90,000 - 115,000

Full time

14 days+

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Job summary

Blue Collar Money is seeking an experienced Credit Analyst to join its mortgage broking team. You will own credit analysis and loan structuring from initial strategy to submission, working with the broker and a support admin staff member.

Successful candidates will have deep knowledge of Australian residential lending, complex investment lending, and income structures (self-employed, company, and trust). The role offers autonomy, teamwork, and a path to contribute to building Australia’s #1

Qualifications

Extensive experience in Australian residential lending and mortgage broking.
Strong knowledge of lender policies and servicing assessments.
Ability to structure complex purchases, refinances and investment lending.
Experience with self-employed, company and trust income, tax returns and financial statements.
Clear written and verbal communication with attention to detail.
Ability to manage multiple files with high accountability.

Responsibilities

Analyze complex residential lending scenarios and recommend suitable lender options.
Complete servicing assessments across multiple lenders.
Research and interpret lender credit policies for loan structuring.
Structure purchases, refinances, equity releases and investment lending.
Review PAYG, self-employed, company and trust income, tax returns and statements.
Review existing loan structures and portfolios for credit quality.
Identify credit risks before submission and prepare credit notes.
Collaborate with lender BDMs and credit teams on complex scenarios.
Provide training and support to staff and improve internal processes.