Easy Staff
About EasyStaff EasyStaff partners with Australian businesses to provide high-quality offshore team members across mortgage broking, legal, administration, and professional services industries. We are currently seeking an experienced Mortgage Credit Analyst to support an Australian mortgage brokerage. This is a senior-level role best suited to candidates with strong Australian mortgage lending experience and the ability to assess, structure, and present loan scenarios across multiple lenders. Key Responsibilities Credit Assessment \& Scenario Analysis Analyse client financials including payslips, income structures, and employment types Accurately calculate base income, overtime, and variable earnings Interpret lender policies to determine borrowing capacity and loan suitability Run and compare multiple lender servicing calculators Use Quickli to assess borrowing capacity Lender Policy \& Niche Expertise (Critical) Develop a deep understanding of individual lender credit policies and niches Identify which lenders are best suited for each scenario based on their policy strengths and risk appetite Apply lender-specific rules such as: Overtime treatment (100% vs shading) Self-employed requirements (e.g. 1-year vs 2-year financials) Income verification variations Understand and utilise lender niches such as: ANZ – ability to consider 1-year self-employed financials in certain scenarios Macquarie Bank – policy allowing no financials/accountant letters when company income is not being used Stay up to date with lender policy changes and proactively apply them to scenarios Use policy knowledge strategically to structure deals for approval, not just assessment As part of your application, please include the names of three Australian lenders you have worked with or are most familiar with. Self-Employed \& Complex Income Analysis Analyse self-employed clients across: Sole Traders Partnerships Companies Trusts (including complex and multiple trust structures) Interpret financial documents including: Tax Returns Financial Statements Notices of Assessment Accurately extrapolate income and normalise earnings Understand how to trace business income back to the individual applicant Identify add-backs, one-off expenses, and sustainability of income Apply lender-specific rules for self-employed income assessment SMSF Lending (Desirable Knowledge) Understand the fundamentals of Self-Managed Super Fund (SMSF) lending Identify required documentation for SMSF loan applications including trust deeds, financial statements, and compliance documents Support occasional SMSF lending scenarios where required Loan Structuring \& Submission Prepare strong, well-structured loan submissions to maximise approval chances Draft detailed submission notes tailored to each lender Build and present lender scenarios to BDMs for policy confirmation Package deals in line with lender expectations and credit appetite Policy \& Compliance Maintain a strong understanding of Australian lending policies Know where to locate and how to interpret lender policies Ensure all applications meet compliance requirements Identify risks that may impact approval outcomes Credit \& Financial Analysis Analyse bank statements to identify undisclosed debts or liabilities Conduct and interpret credit checks Understand credit scoring, risk profiles, and lending red flags Identify issues that may delay or decline applications Client \& Lender Communication Liaise with lenders, credit teams, and BDMs Clearly communicate scenarios and follow up on applications Maintain professional, clear, and confident spoken English Attention to detail is important in this role. Please save your resume using the format: FirstName\ LastName\ CreditAnalyst.pdf Additional Responsibilities Assist with loan processing when required Conduct pricing negotiations with lenders Order and manage property valuations Understand and assess eligibility for Australian first home buyer schemes and grants Collaborate with internal team members and contribute feedback Work Setup Full-time remote position Australian business hours Stable internet connection required Quiet work environment required Must have backup internet available Salary Competitive salary based on experience Please include your salary expectations in your application Requirements Essential Experience Minimum 5\+ years’ experience as a Credit Analyst (mortgage or banking) Strong experience with Australian mortgage lending Proven ability to interpret and apply lender policy Experience running servicing calculators across multiple lenders Highly Desirable Experience with: Connective Mercury Nexus Go High Level (CRM Automation) ChatGPT and AI tools Exposure to: Self-employed and complex lending scenarios Trust structures and company income analysis SMSF lending Demonstrated understanding of lender niches and policy differences. Technical Skills Advanced financial analysis skills Strong understanding of: Income verification (payslips, overtime, allowances) Self-employed income assessment Credit reports and scoring Bank statement analysis Ability to identify risks and structure deals accordingly Soft Skills Excellent verbal and written English communication Confident speaking with lenders and BDMs High attention to detail Proactive and solutions-focused mindset Open to feedback and continuous improvement Team-oriented with a hands-on attitude What Success Looks Like High-quality submissions with strong approval rates Accurate and efficient credit assessments (including complex scenarios when required) Ability to match clients to the right lender based on niche and policy advantages Clear and effective lender communication Strong compliance track record Candidates who are successful in this role are highly detail-oriented. When answering the final application question, please begin your response with the word "Broker". Ideal Candidate Profile The ideal candidate is a senior-level Credit Analyst who: Has deep experience in Australian mortgage lending Has strong knowledge of lender niches and when to use each lender strategically Understands how to analyse complex structures including companies, trusts, and partnerships Can break down and attribute income back to individual applicants Has exposure to SMSF lending concepts and documentation requirements Thinks like a credit assessor and deal strategist, not just a processor Knows how to structure deals to fit lender policy strengths Is confident speaking with lenders and advocating for a deal Can independently interpret policy and apply it to real-world scenarios They are: Detail-oriented but commercially minded Proactive and take ownership Comfortable asking questions and giving feedback Friendly, enthusiastic, and a strong communicator Adaptable and willing to get their hands dirty when needed Final Application Question What do you believe is the most important skill of a successful Credit Analyst, and why? How To Apply Please submit your application to: carla@easystaff.org Work Location: Remote
Easy Staff
