Outsourced Experts

Multinational Companies

Credit Analyst

Views: 64|Published on: Mar 11, 2026

Banking / Insurance /Financial Services

+1 more

Mid Level

Full Time

Vacancy: 2

Bakhundole, Lalitpur|

Experience: More than 2 years|

Not Disclosed

Job Description

Roles and responsibilities of this job

Reports to: Team Lead

Position Overview:

As a Credit Analyst at Outsourced Experts, you will play a crucial role in evaluating the creditworthiness and risk profiles of individuals or businesses seeking mortgage loans in Australia. Your analytical skills will help determine whether to recommend clients for credit approval, ensuring that the lender’s interests are safeguarded while maintaining regulatory compliance.

Key Responsibilities:

Analyse income documents such as payslips, tax returns, and financial statements to determine client income for PAYG, self-employed, or business owner clients.
Prepare detailed loan submissions including credit proposals, income breakdowns, loan summaries, and clear exit strategies for retirement planning.
Conduct thorough scenario analysis to identify the most suitable lender by evaluating the client’s financial position, loan preferences, and matching with lender policies.
Validate declared living expenses by comparing them to Household Expenditure Measure (HEM) benchmarks and confirming accuracy with financial statements.
Review broker notes to extract key insights and integrate them into the loan strategy to ensure alignment with client needs and financial goals.
Ensure accurate and up-to-date data management by verifying CRM entries against supporting documents and maintaining consistent client records.
Complete comprehensive financial position reviews by checking the accuracy of declared assets, liabilities, and monthly expenses against bank statements.
Organize and maintain client folders, redacting sensitive information and preparing complete, compliant document sets for submission.
Draft professional emails to clients that clearly outline the lending strategy, approval conditions, and required next steps.
Provide expert guidance on loan applications requiring exceptions, recommending tailored strategies to align with lender policies and improve approval likelihood.

Job Specification

Required qualifications for this job

Required Education Level:Under Graduate (Bachelor)

Required Experience:More than 2 years

Other Specification

Educational Background: Bachelor’s degree in business administration, Finance, or a related field.
Experience: Minimum of 2-3+ years of relevent experience in Australian mortgage processing.
Communication Skills: Excellent written, verbal, and interpersonal communication skills.
Technical Proficiency: Highly computer literate with proficiency in MS Office, Nexus, Apply Online, and related business tools.
Multi-tasking & Time Management: Manage multiple tasks efficiently while meeting deadlines.
Detail Orientation: Maintain a high level of accuracy and attention to detail.

Why Join Us?

Attractive salary package with Quarterly incentives
Secure employment with one of Australia’s largest and most reputable brokerage firms
Professional work environment with a comfortable workspace
Career growth opportunities with Paid training programs
Five-day work week (Monday to Friday)
Employee Referral Bonus program
Regular employee engagement and team-building activities

Skills Required

Required skills for this job

Management

Communication

Teamwork

Interpersonal Skills

Organisation Skills

Salary

Offered financial and non-financial compensation for this job

Offered Salary:Not Disclosed

Applying Procedure

Click on Login to Apply and apply to this job via your jobseeker profile with easy apply process.

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Apply Before: Mar 26, 2026

About the organization

Outsourced Experts

Multinational Companies

Level 27/360 Collins Street, Melbourne, VIC, 3000, Australia

Outsourced Experts is a forward-thinking company dedicated to empowering small businesses across Australia through exceptional outsourcing services and solutions. Our mission is to help these businesses reach their full potential and we pride ourselves on offering comprehensive paid training to ensure our team members succeed. Enjoy a balanced work schedule with weekends off and be part of a dynamic team that values your growth.

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