Senior Credit Analyst: Complex Residential Lending

Brokerage & Co; Adelaide; On-site; AUD 120,000 - 160,000; Full time

Job summary

Brokerage & Co is a well-established brokerage firm known for its client-first approach, deep market expertise, and strong professional network. The Senior Credit Analyst will assess and structure complex residential loan files, guiding other analysts and ensuring compliant, efficient submissions.

The role requires 5+ years of credit assessment experience, strong knowledge of lender policy, and the ability to translate policy changes into practical guidance for the team.

Qualifications

• 5+ years of credit assessment experience in mortgage broking or financial services.
• Experience structuring and settling complex files (non-standard income, trusts, multi-security, multi-lender).
• Experience providing technical guidance or mentoring to other staff.
• Strong knowledge of lender policy and residential lending regulations in Australia.

Responsibilities

• Assess and structure complex residential loan files including non-standard income, trusts, and multi-lender scenarios.
• Analyse servicing, income and credit history to identify viable lending pathways for non-standard files.
• Prepare submissions that anticipate lender questions and minimize conditions.
• Monitor lender policy changes and translate them into practical guidance for teams.

Skills

Credit analysis

Policy knowledge

Mentoring

Communication

Education

Finance degree

Business degree

Tools

Servicing calculators

Lender policy

Job description

Brokerage & Co is a well-established brokerage firm known for its client-first approach, deep market expertise, and strong professional network. The Senior Credit Analyst will assess and structure complex residential loan files, guiding other analysts and ensuring compliant, efficient submissions.

The role requires 5+ years of credit assessment experience, strong knowledge of lender policy, and the ability to translate policy changes into practical guidance for the team.