Bluemoon Finances is looking for an experienced Credit Analyst / Senior Parabroker with strong Australian mortgage-broking experience to join our growing team.

This is not an entry-level processing or general administration role. We are looking for someone who understands Australian lender policies, can analyse complex scenarios, and can independently determine the right lender and loan structure.

Key Responsibilities

- Assess residential mortgage scenarios from initial fact find through to approval and settlement.
- Analyse client income, liabilities, assets, living expenses and supporting documentation.
- Complete borrowing capacity and servicing assessments using lender calculators and Quickli.
- Research and interpret current lender credit policies and determine suitable lender options.
- Assess and structure applications for:
- PAYG applicants
- Self-employed applicants
- Company structures
- Trust structures
- Investors
- Refinances
- Construction loans
- Complex income scenarios
- Review payslips, tax returns, NOAs, financial statements, BAS and other supporting documents.
- Prepare applications and supporting documentation for submission.
- Have robust hands-on experience with ApplyOnline (AOL).
- Review applications before submission to identify potential policy issues and minimise MIRs.
- Liaise with brokers, BDMs and lender credit teams when required.
- Manage applications through approval and settlement.
- Keep CRM and application records accurate and up to date.
- Provide clear credit recommendations and explain potential issues before lodgement.
- Speak directly with clients by phone to clarify information, explain requirements and provide updates throughout the application process.

- Essential ExperienceThe successful candidate must have previous Australian mortgage-broking experience.

We are looking for





- Minimum 3 years' Australian mortgage broking / credit assessment experience.
- Robust understanding of Australian bank and non-bank lender policies.
- Hands-on ApplyOnline (AOL) experience.
- Strong servicing and borrowing-capacity knowledge.
- Proven experience assessing PAYG and self-employed borrowers.
- Experience with company and trust structures.
- Ability to read and understand tax returns, financial statements and NOAs.
- Strong understanding of lender income shading, add-backs, rental income, liabilities and living expenses.
- Experience dealing with BDMs and lender credit assessors.
- Ability to work independently and make sound lender recommendations.
- Excellent telephone communication skills and confidence speaking directly with clients.
- Professional, friendly and confident phone manner.
- Ability to explain lending requirements and credit-related questions to clients in a simple and easy-to-understand way.

- Systems ExperienceExperience with the following would be highly regarded:

- ApplyOnline (AOL)
- Quickli
- Infinity
- NextGen
- CRM platforms
- Bank and non-bank lender portals

What We Are Looking For

We need someone who can look at a scenario and say:

“This is the client's situation, these are the policy issues, these are the lenders that will work, and this is how I would structure the deal.”

You should be confident working with complex scenarios rather than simply following instructions.

You must also be comfortable picking up the phone and speaking with clients. This role involves client interaction, so solid communication skills are just as important as technical credit knowledge.

Strong attention to detail, good written English, problem-solving ability and the confidence to communicate with brokers, clients and lenders are essential.

- Australian mortgage-broking experience is mandatory.

📌 Credit Analyst – Australian Mortgage Broking (GTB Nagar)
🏢 Blue Moon Finances
📍 GTB Nagar