Senior Mortgage Credit Analyst (Complex Loans)

T+O+M Executive; Sydney; On-site; AUD 70,000 - 110,000; Full time

Job summary

T+O+M Executive is seeking a Mortgage Credit Analyst to assess home loan applications and analyze borrower financials to determine risk within a specialist lending team. The role involves guiding broker channels through to approval and supporting quality lending outcomes.

You will collaborate with brokers, BDMs, and internal stakeholders, develop an understanding of regulatory requirements, and contribute to ongoing improvements in credit processes.

Qualifications

• Mortgage credit assessor/analyst/underwriter experience within non-bank lending.
• Experience with complex mortgage structures (self-employed, low doc, alt doc, trusts).
• Clear written and verbal communication skills.
• Finance, accounting or economics degree is desirable but not essential.
• Energy, positivity and a can-do attitude.

Responsibilities

• Assess home loan applications predominantly via broker channels through to approval.
• Analyse borrower financials including income, expenses, assets and liabilities.
• Develop understanding of credit risk, policy intent, and risk appetite, and how these apply to loan scenarios.
• Identify key risks and mitigating factors, escalating and recommending outcomes where appropriate.
• Prepare clear, well-reasoned credit assessments and recommendations.
• Work closely with brokers, BDMs, and internal stakeholders to support quality lending outcomes.
• Build knowledge of regulatory requirements and market trends, contributing to continuous improvement of credit processes.

Skills

Mortgage credit analysis

Credit risk assessment

Communication skills

Education

Finance, Accounting or Economics degree

Job description

T+O+M Executive is seeking a Mortgage Credit Analyst to assess home loan applications and analyze borrower financials to determine risk within a specialist lending team. The role involves guiding broker channels through to approval and supporting quality lending outcomes.

You will collaborate with brokers, BDMs, and internal stakeholders, develop an understanding of regulatory requirements, and contribute to ongoing improvements in credit processes.