Universal Outsourcing

Finance Companies

Credit Analyst

Views: 174|Published on: Feb 26, 2026

Banking / Insurance /Financial Services

+1 more

Mid Level

Full Time

Vacancy: 1

Maitidevi, Kathmandu|

Experience: More than 2 years|

Not Disclosed

Job Description

Roles and responsibilities of this job

Reports to: Operations Manager / Team Lead

Position Review:

As a Credit Analyst, your primary responsibility will be to validate, analyze, and assess credit applications in line with the company's Credit Policy. You will be expected to manage daily work allocations effectively, ensuring that tasks are completed within deadlines.

In addition, maintaining open communication channels will be key to seeking and providing support as necessary, ensuring smooth operations and adherence to company guidelines.

Your responsibilities include:

Review and analyze the financial details of loan applicants (personal and business) to assess their risk and determine if they qualify for credit.
Assess completed files with a keen eye for detail and accuracy, provide constructive feedback as necessary.
Work closely with Australian lenders to review financial situations, help approve loans and suggest solutions for complex financial issues.
Communicate with brokers and clients to gather necessary information and ensure all required documents meet lender guidelines.
Perform risk assessments by analyzing market trends, industry data, and other relevant information to ensure everything aligns with collateral and regulations.
Decide whether to approve, adjust, extend, or close lines of credit based on a thorough review of financial data.
Prepare clear and detailed reports about credit decisions and share them with teams, lenders, and clients.
Explain credit decisions and policies clearly to everyone involved.
Stay updated about industry changes and update team about the updated regulations, news and trends.
Help train and mentor new team members to ensure smooth transitions and good team collaboration.
Review work for quality, check for errors, and look for signs of fraud to ensure accuracy in financial assessments.
Develop and maintain strong relationships with clients, brokers, and other business partners.

The detailed Position description will be discussed during the face-to-face interview.

Job Specification

Required qualifications for this job

Required Education Level:Under Graduate (Bachelor)

Required Experience:More than 2 years

Other Specification

Education, Experience, & Licensing Requirements:

Minimum 2 years’ experience in the Australian Mortgage Industry as a Credit Analyst.
Master’s degree in finance, accounting or a related field.
Previous experience as a credit analyst or loan officer is a must
CFA certification is a plus
Experience using spreadsheet software
Basic understanding of accounting, statistics, and economics

Additional skill set:

Good knowledge of commercial credit products, loan processes, and financial rules in the Australian market.
Great attention to detail.
Strong analytical and problem-solving abilities.
Comfortable working with numbers and data.
Able to manage time well and handle multiple tasks at once.
Excellent communication skills.
Ability to work in a fast-paced environment.
Able to research financial topics and explain them clearly to others.
Confident in making important decisions and negotiating.
Strong people skills, with the ability to build and maintain relationships with clients and partners.
Trustworthy and dedicated to keeping client and company information private.

What's in it for you:

Social Security Fund (SSF)
Quarterly Performance Review
Paid Annual Leave and Sick Leave
Additional paid leave
Weekends Off (Sat/Sun)
Festival Bonus
Free Meals (Breakfast and Lunch)
Accident and Medical Insurance Coverage
Team Building Activities, Retreats
Continuous Learning and Development opportunities
Growth within the company
Trainings and development programs

Time: 6:00 am – 2:30 pm
Working Days: Monday - Friday
Offered Gross Salary: Based on Company policy

Skills Required

Required skills for this job

Multitasking

Credit Management

Relationship-Building Skills

Spreadsheets

Attention to Detail

Salary

Offered financial and non-financial compensation for this job

Offered Salary:Not Disclosed

Applying Procedure

Click on Login to Apply to get the email address / external link to apply.

Note: You need to be a registered jobseeker to view the applying email address / external link.

Apply Before: Mar 26, 2026

About the organization

Universal Outsourcing

Finance Companies

Maitidevi, Kathmandu

Universal Outsourcing is a Business Process Outsourcing company, recently established in 2023. We are providing outsourcing solutions to Mortgage Brokers in Australia in delivering a positive end-to-lending experience to the clients.

We are a business process outsourcing (BPO) company that specializes in serving the Australian mortgage broking industry.

We offer a variety of industry-specific services that ultimately result in increased efficiency, significant cost savings, streamlined operations, and scalability for your mortgage broker business.

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