Job Description:

Department: Mortgage Operations / Loan Processing
Employment Type: Full time
Shift: Australian Shift (AUS Time Zones)

Role Overview

The Mortgage Credit Analyst is responsible for assessing home loan applications for Australian clients in accordance with Australian lending guidelines. The role involves detailed financial analysis, risk assessment, verification of documents, and ensuring compliance with lender policies and regulatory requirements.

Key Responsibilities
Credit Assessment & Analysis
Review and analyze borrower financials including income, bank statements, tax returns, pay slips, liabilities, and credit reports.
Assess serviceability as per Australian lending calculators and lender policies.
Evaluate borrower creditworthiness and recommend approval, decline, or further review.
Identify potential credit risks and apply appropriate risk mitigation strategies.
Documentation & Verification
Verify supporting documents for accuracy and completeness.
Ensure compliance with Responsible Lending Obligations (NCCP Act).




Check property-related documents such as valuation reports, purchase contracts, and identification (KYC).
Compliance & Policy Adherence
Follow lending guidelines of major Australian banks and non-bank lenders.
Ensure adherence to internal SOPs and Australian regulatory frameworks (ASIC, APRA).
Maintain data accuracy and uphold audit standards.
Communication & Coordination
Coordinate with mortgage brokers, internal teams, and lenders for clarifications.
Communicate any missing information or discrepancies.
Maintain skilled written and verbal communication as per Australian business standards.
Reporting & Process Management
Update loan processing systems and CRM tools.
Maintain daily productivity and quality benchmarks.
Prepare periodic MIS reports for loan status, approvals, and risk flags.

Skills & Competencies Required
Robust analytical and numerical ability.
Knowledge of Austr

📌 Mortgage Credit Analyst Ahmedabad
🏢 Actide International
📍 Ahmedabad