Mortgage Analyst

Role & responsibilities :

We are seeking an experienced and detail-oriented Credit Analyst / Loan Processor to support Australian Mortgage Brokers in managing end-to-end mortgage application processing. The ideal candidate will possess strong knowledge of Australian lending policies, credit assessment, loan packaging, and mortgage operations. This role requires a professional who can independently manage loan applications from initial assessment through approval while ensuring compliance, accuracy, and an exceptional client experience. The candidate should be comfortable working in a fast-paced environment and coordinating with brokers, lenders, BDMs, and clients across Australia.

Key Responsibilities:
Loan Processing & Application Management

• Manage end-to-end mortgage applications from submission through approval and settlement stages.
• Conduct preliminary assessment of client financial information and lending requirements.
• Prepare and review complete loan applications to ensure accuracy and compliance.
• Monitor application progress and proactively follow up with stakeholders to achieve timely approvals.

Credit Assessment & Financial Analysis

• Analyze client financial profiles, including:

• PAYG Income Assessment

• Self-Employed Income Assessment

• Asset & Liability Analysis

• Debt Position Evaluation

• Conduct servicing calculations and borrowing capacity assessments.

• Identify risks and recommend appropriate lending solutions.

Lending Policy Research & Product Selection

• Research lender policies and identify suitable loan products based on client requirements.
• Compare pricing structures, loan products, and lending criteria across various lenders.
• Provide recommendations aligned with Australian lending regulations and policies.

Documentation & Compliance

• Complete Fact Finds, BID documentation, and other compliance requirements.
• Prepare and package compliant loan submissions.
• Ensure adherence to Australian mortgage regulations, responsible lending obligations, and internal policies.
• Maintain accurate records and documentation throughout the loan lifecycle.

CRM & System Management

• Maintain and update client information within CRM systems, including:

• Infinity (Preferred)

• Mercury Nexus

• Connective and other aggregator platforms

• Ensure proper tracking of loan milestones, documentation, and communication history.

Stakeholder Management

• Liaise with:

• Australian Mortgage Brokers

• Banks and Lenders

• Business Development Managers (BDMs)

• Valuers

• Clients and other stakeholders

• Resolve application-related issues and escalate critical matters where necessary.

• Ensure seamless communication throughout the application process.

Administrative Support

• Schedule appointments and follow-up activities.
• Coordinate valuations, pricing requests, and supporting documentation.
• Prepare reports and maintain operational MIS as required.

Required Skills & Experience:
Technical Skills

• Strong understanding of Australian Mortgage Lending Policies.

• Expertise in:

• Loan Packaging

• Credit Assessment

• Servicing Calculations

• Fact Find Preparation

• Compliance Documentation

• Financial Analysis

Software & Platform Experience

• Infynity CRM (Preferred)
• Mercury Nexus
• Connective
• Australian Mortgage Aggregator Platforms
• Microsoft Excel and Office Suite

Financial Knowledge

• PAYG Income Assessment
• Self-Employed Financial Analysis
• Borrowing Capacity Calculations
• Loan Structuring
• Credit Risk Assessment
• Australian Mortgage Compliance Requirements

Qualifications:

• Bachelor's Degree in Finance, Commerce, Accounting, Banking, or related disciplines.
• Mortgage or Financial Services certifications will be an added advantage.

Experience:

• Minimum 3 to 5 years of experience in:

• Australian Mortgage Processing

• Credit Analysis

• Mortgage Broking Support

• Loan Operations

• Financial Services

• Mandatory experience supporting Australian Mortgage Brokers.

Preferred Candidate Profile:

• Excellent verbal and written English communication skills.
• Strong attention to detail and analytical mindset.
• Ability to work independently and manage multiple applications simultaneously.
• Strong stakeholder management and client servicing capabilities.
• Experience working in fast-paced offshore mortgage operations environments.
• Knowledge of Hindi and Gujarati will be an added advantage.
• Pune Candidates: Hybrid Working Model