Credit Analyst

Sustain Recruit; England; Hybrid; GBP 95,000 - 105,000; Full time

Job summary

A lending brokerage in the UK is seeking an experienced Credit Analyst to join their operations team. In this role, you will assess loan applications and work closely with brokers to ensure credit decisions meet client expectations. Ideal candidates have 3–5 years of experience in credit analysis and a strong understanding of residential lending structures. The position offers a hybrid working model with a focus on professional development and a supportive team atmosphere.

Benefits

Ongoing training and professional development opportunities

Supportive team with approachable leadership

Qualifications

• 3–5 years’ experience in credit analysis or credit assessment.
• Strong understanding of residential lending structures.
• Proven ability to manage multiple applications in a dynamic environment.

Responsibilities

• Review and analyse credit applications for home lending products.
• Prepare credit submissions and make recommendations for approval.
• Liaise with brokers and lenders to resolve queries.

Skills

Credit analysis

Financial statement interpretation

Analytical skills

Attention to detail

Job description

Our client is a growing lending brokerage known for providing tailored financing solutions and exceptional client service. Partnering with a broad panel of lenders, they specialise in helping clients secure residential lending suited to their needs. As the business continues to expand, they are seeking an experienced Credit Analyst to join their high-performing operations team.

As a Credit Analyst, you’ll play a key role in assessing and structuring loan applications, ensuring they meet both client objectives and lender requirements. You’ll work closely with brokers and relationship managers to analyse financials, identify risks, and provide sound recommendations that support confident credit decisions.

This role suits a detail-oriented professional who thrives in a fast-paced lending environment and enjoys being part of a collaborative, supportive team.

Location

Melbourne - Docklands

Hybrid Working

Hybrid - 3 days per week in the office

Salary

$95K - $105K Package, inclusive of superannuation

Key Responsibilities

• Review and analyse credit applications for individuals across home lending products.
• Assess financial statements, tax returns, and cash flow to determine serviceability and creditworthiness.
• Prepare credit submissions and make well-supported recommendations for approval.
• Liaise with brokers, lenders, and internal stakeholders to gather information and resolve queries.
• Maintain accuracy and compliance with lending policies, procedures, and regulatory requirements.
• Support continuous improvement of credit assessment processes and documentation standards.

About You

• 3–5 years’ experience in credit analysis or credit assessment (ideally within a brokerage, non-bank, or lending environment).
• Strong understanding of residential lending structures.
• Proven ability to interpret financial statements and assess serviceability.
• Excellent attention to detail, analytical skills, and written communication.
• Ability to manage multiple applications and competing deadlines in a dynamic environment.

Why You’ll Love It Here

• Supportive team with approachable leadership.
• Exposure to a wide range of lending scenarios and client types.
• Ongoing training and professional development opportunities.

Modern office with hybrid working options.

A business that values quality over quantity — and celebrates success as a team.

Apply Now

If you’re a motivated Credit Analyst looking to join a reputable brokerage where your input is valued and your development supported, we’d love to hear from you.

Apply today with your CV or reach out for a confidential chat.