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.
- Robust 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

📌 Mortgage Analyst (Pune)
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📍 Pune