Senior Credit Strategy Lead — Complex Lending & Platform

Brokerage & Co; Australia; Vor Ort; AUD 180.000 - 250.000; Vollzeit

Benefits dieser Stelle

STI (Short-term incentive)

ESOP (Employee share options)

Ownership of credit strategy

High-performance team

Zusammenfassung

Brokerage & Co is seeking a senior Credit Strategy lead to own the lending platform for high-value clients. You’ll craft policies, processes and tools that scale, while actively managing complex files from assessment to settlement.

You’ll coach Credit Assessors and Brokers, ensuring consistent, well-structured advice and outcomes across the team. This is a hands-on, practising expert role within a growth-focused mortgage brokerage.

Qualifikationen

• 7+ years in credit assessment, credit management or client-facing lending strategy within mortgage broking or financial services.
• Track record structuring and resolving complex residential lending scenarios across multiple lenders, with direct client engagement.
• Experience coaching, training or leading credit or lending staff, and lifting team capability.
• Experience building or scaling credit policy, processes or resources in a broking or lending business.
• Deep working knowledge of lender policy, servicing calculators and Australia's residential lending regulatory environment.
• Calm, clear communicator who can explain complex credit outcomes in plain terms.
• Data-driven, able to turn patterns in errors, declines and outcomes into targeted coaching and process improvements.
• High personal integrity and a strong commitment to responsible lending and compliant credit practice.
• Relevant industry licences and accreditations, or eligibility to obtain them.

Aufgaben

• Act as the senior point of contact for our most complex, high-value or sensitive clients, shaping their lending strategy from initial assessment to settlement.
• Structure difficult scenarios, including unusual structures, sensitive client circumstances and significant judgement calls.
• Take direct carriage of complex files through to lender submission and settlement.
• Bring discretion to scenarios where client circumstances, reputation or lender relationships need careful handling.
• Keep clients informed at key milestones and manage expectations on complex or longer-running files.
• Translate complex credit and policy detail into clear, confidence-building guidance clients can act on.
• Partner with Brokers so clients get consistent messaging and a seamless experience.
• Develop Credit Assessors' ability to analyse, structure and solve increasingly complex scenarios independently.
• Strengthen Brokers' understanding of lender policy, servicing and credit fundamentals.
• Coach after declines, escalations, excessive lender conditions and difficult applications.
• Run regular credit training using real scenarios and case studies.
• Translate lender policy changes into practical lending opportunities for the team.
• Lead the design and build of the policies, processes, tools and resources behind how we advise and structure lending.
• Develop internal credit resources, scenario guides and best-practice processes.
• Establish scalable credit standards as client volume and complexity grow.
• Partner with our Chief Operating Officer on the technology behind credit assessment and workflow.
• Be the escalation point for difficult credit scenarios, while building the team's ability to solve them independently next time.
• Review complex files before, during and after submission.
• Identify recurring errors, knowledge gaps and process issues, and use trends in declines and outcomes to set coaching priorities.
• Reduce unnecessary back-and-forth between Brokers and Credit Assessors.
• Our most complex clients have a trusted senior specialist guiding them from assessment to settlement.
• Measurably higher first-time-right submissions, with fewer declines and excessive lender conditions.
• A mortgage strategy platform (credit standards, scenario guides and processes) in active use across the team.
• Credit Assessors independently resolving scenarios that previously needed escalation.

Kenntnisse

Credit assessment

Lending strategy

Coaching

Policy development

Regulatory knowledge

Clear communication

Data-driven decision making

Ausbildung

Tertiary qualifications in finance or business

Jobbeschreibung

Brokerage & Co is seeking a senior Credit Strategy lead to own the lending platform for high-value clients. You’ll craft policies, processes and tools that scale, while actively managing complex files from assessment to settlement.

You’ll coach Credit Assessors and Brokers, ensuring consistent, well-structured advice and outcomes across the team. This is a hands-on, practising expert role within a growth-focused mortgage brokerage.