Mortgage Finance Analyst — Client‑Driven Modelling & Insights

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

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