Financial Analyst

JTJL NZ LIMITED; Auckland; On-site; NZD 61,000 - 65,000; Full time

Job summary

JTJL NZ LIMITED is seeking a detail-oriented Financial Analyst to support advisers with in-depth financial analysis, client reports, and mortgage structuring. You will build models to project loan repayments, assess borrowing capacity, and prepare client-ready presentations within a regulated financial advisory environment.

You will contribute to compliance, market research with lenders, and ongoing development of internal tools, while collaborating with a small, client-focused team to deliver

Qualifications

• A Bachelor’s degree or higher in Finance, Accounting, Economics, or a related field.
• If the above qualification is not met, a minimum of 3 years of relevant professional experience in financial analysis, mortgage broking, or a closely related role is required.
• Strong proficiency in financial modelling and analysis using tools such as Microsoft Excel, and experience with financial planning or CRM software.
• Solid understanding of lending principles, mortgage products, and the New Zealand financial regulatory environment.
• Excellent numerical, analytical, and problem-solving skills with meticulous attention to detail.
• Strong written and verbal communication skills, with the ability to present complex financial data clearly to clients and internal stakeholders.
• Ability to work both independently and collaboratively within a small, client-focused team.
• Knowledge of the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services is highly desirable.

Responsibilities

• Analyse client financial information, including income, expenditure, assets, and liabilities, to assess borrowing capacity and risk profiles.
• Develop and maintain complex financial models to project loan repayments, cash flow scenarios, and long-term financial outcomes.
• Assist in the preparation of mortgage applications and credit submissions, ensuring all supporting documentation is accurate and compliant with lender requirements.
• Review and compare loan products from our panel of lenders to identify the most suitable options for clients.
• Prepare clear, comprehensive financial reports and presentations for clients, summarizing analysis findings and providing actionable recommendations.
• Support financial advisers in client meetings by presenting data-driven insights and explaining complex financial concepts in plain language.
• Ensure all financial analysis and advice processes comply with the Financial Markets Conduct Act 2013, the Code of Professional Conduct for Financial Advice Services, and internal policies.
• Monitor and maintain accurate records of client data and advice, supporting the firm’s internal compliance reviews.
• Conduct research on economic trends, interest rates, and lender policy changes to provide informed advice to clients and advisers.
• Liaise with lenders and product providers to gather information and negotiate terms on behalf of clients.
• Stay updated with financial products, industry best practices, and regulatory changes to ensure the firm remains at the forefront of the financial advice sector.
• Contribute to the development and refinement of internal tools, templates, and processes.

Skills

Financial modelling

Excel

CRM software

Education

Bachelor’s degree or higher in Finance, Accounting, Economics, or a related field

Job description

Website: https://jtjl.nz

Hours: 40 hours per week, full-time

Salary Range: $44– $47per hour

About Us:

JTJL NZ LIMITED is a licensed financial advice provider (FSP1006564), regulated by the Financial Markets Authority. We specialise in providing tailored mortgage and financial advice, working with a wide panel of New Zealand's leading lenders, including ANZ, ASB, BNZ, Westpac, and others. As a client-focused firm, we are committed to delivering priority-driven, ethical, and expert financial guidance, ensuring our clients achieve their financial goals with confidence.

About the Role:

We are seeking a detail-oriented and analytical Financial Analyst to join our team. In this role, you will support our financial advisers by conducting in-depth financial analysis, preparing client reports, and assisting with mortgage structuring and portfolio reviews. You will analyse financial data, assess client needs, and develop models to support strategic financial decisions, ensuring compliance with our regulatory obligations and best-practice standards.

Key Responsibilities:

1.1 Analyse client financial information, including income, expenditure, assets, and liabilities, to assess borrowing capacity and risk profiles.

1.2 Develop and maintain complex financial models to project loan repayments, cash flow scenarios, and long‑term financial outcomes.

2. Mortgage & Credit Assessment

2.1 Assist in the preparation of mortgage applications and credit submissions, ensuring all supporting documentation is accurate and compliant with lender requirements.

2.2 Review and compare loan products from our panel of lenders to identify the most suitable options for clients.

3. Client Reporting & Presentations

3.1 Prepare clear, comprehensive financial reports and presentations for clients, summarizing analysis findings and providing actionable recommendations.

3.2 Support financial advisers in client meetings by presenting data‑driven insights and explaining complex financial concepts in plain language.

4. Compliance & Risk Management

4.1 Ensure all financial analysis and advice processes comply with the Financial Markets Conduct Act 2013, the Code of Professional Conduct for Financial Advice Services, and internal policies.

4.2 Monitor and maintain accurate records of client data and advice, supporting the firm’s internal compliance reviews.

5. Market Research & Lender Liaison

5.1 Conduct research on economic trends, interest rates, and lender policy changes to provide informed advice to clients and advisers.

5.2 Liaise with lenders and product providers to gather information and negotiate terms on behalf of clients.

6.1 Stay updated with financial products, industry best practices, and regulatory changes to ensure the firm remains at the forefront of the financial advice sector.

6.2 Contribute to the development and refinement of internal tools, templates, and processes.

Qualifications & Experience:

1. A Bachelor’s degree or higher in Finance, Accounting, Economics, or a related field.

2. If the above qualification is not met, a minimum of 3 years of relevant professional experience in financial analysis, mortgage broking, or a closely related role is required.

3. Strong proficiency in financial modelling and analysis using tools such as Microsoft Excel, and experience with financial planning or CRM software.

4. Solid understanding of lending principles, mortgage products, and the New Zealand financial regulatory environment.

5. Excellent numerical, analytical, and problem‑solving skills with meticulous attention to detail.

6. Strong written and verbal communication skills, with the ability to present complex financial data clearly to clients and internal stakeholders.

7. Ability to work both independently and collaboratively within a small, client‑focused team.

8. Knowledge of the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services is highly desirable.

What We Offer:

• The opportunity to work with a licensed financial advice firm with a strong commitment to client‑first, ethical practice.
• A supportive and professional team environment with access to a diverse panel of New Zealand’s leading lenders.
• Professional development opportunities and the chance to build expertise in the dynamic financial advice sector.