Mortgage Credit Analyst / Parabroker (Australian Mortgage Broking)

About Us We are a growing Australian mortgage and asset finance brokerage focused on helping busy professionals, business owners, tradies, medical professionals and investors secure smarter lending solutions. We're looking for an experienced Mortgage Credit Analyst / Parabroker to become a key part of our team. The ideal person will take ownership of the loan processing and credit assessment side of the business, allowing the broker to focus on lead generation, client strategy and relationship management. This is a long-term opportunity for the right person. Responsibilities Client File Management Review client fact finds and application information Follow up outstanding documents Organise and maintain client files Ensure compliance requirements are met Credit Analysis Analyse income, liabilities and borrowing capacity Complete serviceability assessments Calculate debt-to-income ratios Identify potential credit concerns Review client structures and lending scenarios Lender Research & Recommendations Compare lender policies Assess lender suitability Review rates, products and policy fit Prepare lender recommendations Present options to broker for final approval Loan Packaging & Submission Prepare applications for submission Complete lender calculators Order supporting documents where required Package files to lender standards Manage lodgements through aggregator CRM Application Management Liaise with lenders, BDMs, solicitors and clients Track application progress Manage conditions and outstanding requirements Assist with settlements Provide regular status updates Asset Finance Support (Highly Desirable) Vehicle and equipment finance submissions Lender comparisons Income and asset verification Application packaging and follow-up Essential Experience Minimum 2 years Australian mortgage broking experience Strong understanding of Australian lending policies Experience with servicing calculators Experience comparing lender policies Understanding of PAYG, self-employed and investment lending Excellent written and verbal English High attention to detail Ability to work independently Highly Desirable Experience with ApplyOnline Experience with Mercury Nexus Experience with Loanapp Experience with Quickli Experience with MyCRM, Salestrekker or similar broker CRMs Asset finance experience SMSF lending experience Property investment lending experience What Success Looks Like You will take a file after the initial client conversation and: Gather documents Complete servicing assessments Research lender options Prepare recommendations Package the application Submit to lender Manage the process through to approval and settlement The broker remains responsible for strategy and client relationships, while you own the operational and credit assessment process. To Apply Please answer: How many years have you worked in Australian mortgage broking? Which broker CRMs have you used? Which servicing calculators are you familiar with? Have you worked on self-employed and investment lending scenarios? Have you managed files from application through to settlement? What hours are you available each week? What is your hourly rate? Please begin your application with the words: "Credit Analyst Ready" This helps us identify applicants who pay attention to detail.