Senior Mortgage Credit Analyst — Complex Lending Expert

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

Benefits offered by this job

Superannuation

Performance-based incentives

Job summary

Brokerage & Co in Adelaide is seeking a Senior Credit Analyst to assess and structure complex residential loan files, including trusts, non-standard income, and multi-lender scenarios. You will select lenders, prepare submissions, and guide junior analysts.

You will stay current with lender policies and regulatory changes, communicate clearly with clients and brokers, and contribute to developing the credit platform and best-practice documentation.

Qualifications

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

Responsibilities

• Assess and structure complex residential loan files, including non-standard income, multiple securities, trusts and company structures, and scenarios requiring multi-lender solutions.
• Analyse servicing, income, and credit history in detail to identify viable lending pathways for files that do not fit standard policy.
• Select the most appropriate lender and product for complex scenarios, balancing client outcomes, approval likelihood, and turnaround time.
• Prepare well-structured submissions for complex files that anticipate lender questions and minimise conditions and back-and-forth.
• Maintain a current, detailed understanding of lender credit policy, servicing calculators, and product changes across the panel.
• Monitor the evolving regulatory and policy landscape and assess the practical impact of changes on live and future files.
• Translate policy changes into clear, practical guidance for the credit and broker teams.
• Maintain clear, professional communication with clients on complex files, explaining credit outcomes, conditions, and next steps in plain terms.
• Keep clients and brokers informed at key milestones throughout the assessment and submission process, particularly on longer-running or sensitive files.
• Build and maintain strong working relationships with lender BDMs and credit teams to support complex file outcomes and faster resolutions.
• Liaise directly with lenders on complex scenarios, conditions, and escalations to keep files moving efficiently.

Skills

Credit analysis

Complex lending

Policy knowledge

Team mentoring

Analytical thinking

Regulatory awareness

Attention to detail

Client communication

Education

Finance degree

Tools

Lending calculators

Job description

Brokerage & Co in Adelaide is seeking a Senior Credit Analyst to assess and structure complex residential loan files, including trusts, non-standard income, and multi-lender scenarios. You will select lenders, prepare submissions, and guide junior analysts.

You will stay current with lender policies and regulatory changes, communicate clearly with clients and brokers, and contribute to developing the credit platform and best-practice documentation.