Senior Credit Analyst

SFP Financial; Sydney; Hybrid; AUD 90,000 - 130,000; Full time

Benefits offered by this job

Flexible working

Job summary

SFP Financial, a Sydney-based mortgage brokerage, invites a skilled credit analyst to join our small, close-knit team. You will own credit assessments and strategies for residential and investment scenarios, including self-employed borrowers and trusts.

Leverage technology, AI, and automation to enhance lending decisions. Join a two-broker, two-processor team with dedicated processing support and flexible working options—hybrid or fully remote Australia-wide—as we expand and modernise our

Qualifications

• 3+ years' experience in credit analysis or mortgage lending.
• Strong knowledge of Australian lender policies and loan structuring.
• Experience with self-employed income, company and trust financials.
• A strategic, tech-forward approach to lending and processes.

Responsibilities

• Assess complex residential and investment lending scenarios including self-employed borrowers.
• Analyse financials, borrowing capacity, and lender policies.
• Recommend lenders and loan structures aligned with clients' goals.
• Collaborate with lender BDMs and credit teams to resolve policy challenges.
• Prepare credit assessments and broker-ready recommendations.
• Improve workflows and lending processes as the business grows.
• Collaborate with brokers and processors to ensure smooth loan progression.

Skills

Credit analysis

Mortgage broking

Lending strategy

Financial analysis

Tools

Quickli

BrokerEngine

ApplyOnline

AFG systems

Job description

About us

SFP Financial is a Sydney-based mortgage brokerage specialising in residential and investment lending, particularly for self-employed clients, business owners and property investors.

We have a growing social media presence we have helped us build our amazing client base. You can check us out on socials by finding SFP Financial and our senior broker Financial Leigh.

We're a close-knit team of two brokers, two loan processors and a marketing manager, with an established client base, and a focus on using technology, AI and automation to work smarter.

We're expanding and looking for someone to take ownership of our credit assessment function.

Key responsibilities

Assess complex residential and investment lending scenarios, including self-employed borrowers, companies and trusts.

Analyse financials, calculate borrowing capacity and research lender policies.

Recommend suitable lenders and loan structures, considering clients' current and future needs and objectives.

Work with lender BDMs and credit teams to resolve policy challenges.

Prepare credit assessments and recommendations for broker review.

Collaborate with brokers and processors to ensure smooth loan progression.

Improve workflows, systems and processes as the business grows.

About you

3+ years' experience in credit analysis, mortgage broking, or residential lending.

Strong knowledge of Australian lender policies, servicing calculators and loan structuring.

Experience assessing self-employed income, company and trust financials, and investment lending.

Strong analytical, problem-solving and communication skills.

A strategic approach to lending, considering tax implications, future borrowing capacity and clients' long-term goals.

A strong interest in technology, AI and improving processes.

Experience with Quickli, BrokerEngine, ApplyOnline and AFG systems is highly regarded.

No lead generation – focus on credit assessment and lending strategy, not finding clients.

Flexible working – Crows Nest office, hybrid or fully remote Australia-wide.

Dedicated processing support – spend less time on admin and more time solving lending scenarios.

Autonomy and ownership – take responsibility for credit assessments and influence lending decisions.

Growth and innovation – join an ambitious, supportive team embracing technology, AI and automation.