VRecruitFirst
Website:
vrecruitfirst.com
Job details:
Job Description :
Job Summary:
We are seeking an experienced and detail-oriented Senior 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:
- Infynity (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 5–8 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.
Location : Pune Candidates: Hybrid Working Model
Experience : 4 - 8
Timing : 05:00 AM - 01:00 PM
Working Shift : Day Shift (Onsite)
Job Type : Full Time
Category : Australian Mortgage
Salary : Best in industry
Skills : Australian Mortgage,Analytical Skills
Keywords : Credit Analyst, Loan Processor, Australian Mortgage, Mortgage Broking, Australian Lending Policies,
Interested candidates kindly share your resume on manager@vrecruitfirst.com
Click on Apply to know more.