Senior Credit Analyst – Mortgage & Complex Lending

Profusion; Melbourne; On-site; AUD 140,000 - 190,000; Full time

Benefits offered by this job

Career development

Collaborative team environment

Melbourne CBD location

Job summary

Profusion in Melbourne CBD seeks an experienced Senior Credit Analyst to join a growing credit team. You will assess and process complex lending applications, focusing on residential and business lending while supporting continuous improvement across credit operations.

The ideal candidate has 10+ years in credit analysis within mortgage lending and financial services, with strong stakeholder management and familiarity with loan origination platforms.

Qualifications

• 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.

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

Credit analysis

Stakeholder management

Communication skills

Multi-tasking

DLA experience

Tools

ApplyOnline

Job description

Profusion in Melbourne CBD seeks an experienced Senior Credit Analyst to join a growing credit team. You will assess and process complex lending applications, focusing on residential and business lending while supporting continuous improvement across credit operations.

The ideal candidate has 10+ years in credit analysis within mortgage lending and financial services, with strong stakeholder management and familiarity with loan origination platforms.