Senior Credit Analyst

Profusion PAC Pty Ltd; Melbourne; On-site; AUD 150,000 - 190,000; Full time

Benefits offered by this job

Melbourne CBD base role

Strong career development and progress

Collaborative team environment

Job summary

Profusion PAC Pty Ltd in Melbourne is seeking an experienced Senior Credit Analyst to join our growing credit team in Melbourne CBD. You will assess and process complex lending applications while ensuring NCCP, AML/CTF and privacy obligations are met.

You will work closely with brokers, sales teams and internal colleagues to workshop deals, perform due diligence and drive continuous improvement across credit operations, reporting and controls.

Qualifications

• Minimum 10 years' experience in credit analysis, underwriting or lending assessment.
• Experience in mortgage lending, banking or financial services.
• Strong understanding of complex borrower structures including trusts and companies.

Responsibilities

• Assess and submit consumer and business lending applications secured by residential property.
• Evaluate complex credit scenarios and workshop deals with senior stakeholders.
• Build relationships with brokers, sales teams and internal departments.
• Conduct detailed due diligence across all lending applications.
• Ensure compliance with NCCP, AML/CTF and Privacy obligations.
• Identify opportunities to improve credit processes and operational efficiency.
• Support reporting requirements and operational excellence initiatives.

Skills

Credit analysis

Underwriting

Mortgage lending

Stakeholder management

DLA experience

Loan lifecycle

Tools

ApplyOnline

Job description

Company Overview

This established financial services organisation has a long history of supporting borrowers through flexible lending solutions. Operating within the specialist lending sector, the business provides residentially secured lending solutions and is recognised for its relationship-focused approach and strong credit expertise.

Role Overview

An opportunity exists for an experienced Senior Credit Analyst to join a growing credit team based in Melbourne CBD. Reporting into Credit Leadership, you will play a key role in assessing and processing complex lending applications while supporting continuous improvement across credit operations.

Key responsibilities

• Assess and submit consumer and business lending applications secured by residential property
• Evaluate complex credit scenarios and workshop deals with senior stakeholders
• Build strong relationships with brokers, sales teams and internal departments
• Conduct detailed due diligence across all lending applications
• Ensure compliance with NCCP, AML/CTF and Privacy obligations
• Identify opportunities to improve credit processes and operational efficiency
• Support reporting requirements and operational excellence initiatives

Skills & Experience

• Minimum 10 years' experience in credit analysis, underwriting or lending assessment
• Experience within mortgage lending, banking or financial services environments
• Strong understanding of mortgage lending and complex borrower structures including trusts and companies
• Familiarity with ApplyOnline or similar loan origination platforms
• Exposure to specialist or non-conforming lending environments highly regarded
• Strong stakeholder management and communication skills
• Ability to manage multiple priorities in a fast-paced environment
• Delegated Lending Authority (DLA) experience highly regarded

What’s on Offer

• Melbourne CBD based opportunity
• Exposure to complex residential and business lending transactions
• Supportive and collaborative team environment
• Strong career development and progression opportunities
• Opportunity to broaden credit expertise across specialist lending scenarios

We are committed to providing a supportive culture and positively contributing towards creating diverse and inclusive workplaces for our candidates and clients. We invite candidates of all ages, genders, sexual orientation, cultural backgrounds, people with disability, neurodiverse individuals and Indigenous Australians to apply.