Credit Analyst
Core
Assess and decide loan applications across residential and commercial mortgage portfolios, ensuring alignment with credit policy and risk frameworks.
Role type
Senior IC credit analyst (mortgage lending)
Builds
Loan approvals and credit decisions for a non-bank lender
Domain
Financial services / Mortgage lending
Required skills
Credit assessment, financial analysis, risk judgement, regulatory compliance (NCCP, AML/CTF), stakeholder communication, process improvement
Preferred skills
Coaching junior analysts, digital systems proficiency, adapting to new tools
Technologies
Digital systems, credit assessment tools
Responsibilities
Assess and decision loan applications in line with credit policy and risk frameworks, Manage a pipeline of applications and deliver timely, high-quality decisions, Apply strong analytical judgement to complex borrower scenarios, Ensure compliance with NCCP, Responsible Lending, AML/CTF and internal risk standards, Communicate credit decisions clearly to brokers and internal stakeholders, Collaborate with Sales, Credit Support, Settlements and Collections to resolve scenarios
Seniority
Senior, hands-on IC