Credit Analyst – Australian Mortgages

Company: Urban Money Oceania – Square Yards Property Group

Employment TypeFull-Time

About Urban Money Oceania

Urban Money Oceania, part of the Square Yards Property Group, is a growing financial services business specialising in Australian mortgage and property solutions.

We are looking for an experienced Credit Analyst with strong hands-on experience in the Australian mortgage process to join our growing team.

Role Overview The Credit Analyst will be responsible for assessing and analysing Australian residential mortgage applications, evaluating borrowers’ financial positions, identifying credit risks and ensuring applications meet lender policies and responsible lending requirements.

The ideal candidate should have a strong understanding of the end-to-end Australian home loan process, credit assessment, serviceability and lender policies.

Key Responsibilities

Assess and analyse Australian residential mortgage applications.

Review borrower income, expenses, assets, liabilities and overall financial position.

Analyse payslips, bank statements, tax returns and other supporting documentation.

Conduct serviceability and borrowing-capacity assessments as per lender guidelines.

Review credit reports and assess overall creditworthiness.

Identify discrepancies, risks and missing information within loan applications.

Assess PAYG, self-employed, investor and complex borrower profiles.

Ensure applications meet Australian lender policies, credit criteria and documentation requirements.

Work closely with Mortgage Brokers to obtain additional information and supporting documents.

Liaise with banks, lenders, brokers and other stakeholders throughout the loan process.





Prepare accurate credit assessments and recommendations.

Manage multiple applications while maintaining quality and turnaround-time standards.

Ensure all applications are processed accurately and in accordance with compliance requirements.

Stay updated on changes to Australian lender policies, mortgage products and lending guidelines.

Requirements

Minimum 2+ years of hands-on experience in the Australian mortgage/home loan process.

Strong experience in Australian mortgage credit assessment.

Good understanding of Australian residential lending and lender credit policies.

Experience assessing borrower income, expenses, assets, liabilities and serviceability.

Experience working with Australian banks, lenders, mortgage brokers or aggregators.

Strong analytical and numerical skills.

Excellent attention to detail and documentation skills.

Strong communication and stakeholder-management abilities.

Ability to manage multiple loan applications and meet deadlines.

Experience with lending, loan-processing, CRM or credit assessment platforms.

What We Offer

Competitive salary package aligned with experience and market standards.

Opportunity to work with a growing Australian financial services and property group.

Exposure to a wide range of Australian residential mortgage applications.

Opportunities for professional growth and career progression.

Supportive and collaborative work environment.

Prospect to work alongside experienced Mortgage Brokers and lending professionals.

Performance-driven culture with opportunities to develop your expertise in Australian mortgage lending.

Long-term career opportunities within Urban Money Oceania and Square Yards Property Group.

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