Reports to: Team Lead – Mortgage Analyst

Position Overview: 

As a Mortgage 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. 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.

Why Join Us?

• Competitive salary reaching up to 100K (Gross) NPR
• Secure Employment by working for one of Australia’s biggest brokerage firms
• Professional Environment and Comfortable Workspace
• Career Growth with Paid Trainings
• Hybrid Work Setup
• Five Working Days (Mon-Fri)
• Employee referral bonus and Quarterly Incentives