Senior Mortgage Credit Analyst Support - AU (MyCRM)

ABOUT THE COMPANY: We're an established finance and mortgage broking business writing residential, commercial and asset finance across a broad lender panel. We're looking for a senior processing and submission specialist to take ownership of our loan files from acceptance through to settlement. This is a role for someone who has outgrown pure administration. If you already read a file and see the credit risks before the assessor does — and you'd rather fix a deal than forward a decline — we want to talk to you. ROLE OVERVIEW: We are seeking a Senior Mortgage Credit Analyst Support to serve as a vital bridge between our 4 brokers and 3 Melbourne-based Credit Analysts. This is not an entry-level admin or basic data-entry job—we need an analytical, proactive processor who can interpret lender policies, assess complex income structures, and deliver audit-ready deal packages ready for high-level credit review. Key Responsibilities Deal Preparation & Structuring: Collect, audit, and analyze client financial documents using Hello packs and MyCRM. Perform serviceability calculations, income shading, HEM benchmark comparisons, and debt-to-income (DTI) analysis. Analyze self-employed financials (tax returns, financial statements) and identify allowable add-backs. Interpret lender credit policy (e.g., CBA, Macquarie, RedZed) to determine appropriate lender fit and flag decline risks early. Workflow & CRM Management: Maintain complete compliance records (signed consents, fact finds, BID notes). Ensure file completeness (aiming for 80%–100% data and document readiness prior to handoff). Keep status, notes, and tasks updated in MyCRM so any team member can review a file seamlessly. Team Collaboration: Package and present fully prepared files to onshore Senior Credit Analysts for final review and submission via Apply Online / NextGen. Actively communicate policy nuances or missing information directly with brokers and credit staff. 3+ years in Australian residential loan processing, submissions, or lender credit assessment. Strong understanding of serviceability mechanics (buffer rates, HECS/HELP treatment, credit card limit loading, LVR/LMI thresholds). Experience with MyCRM (LMG) is highly regarded. Candidates with experience in other Australian mortgage CRMs who demonstrate high technical aptitude and willingness to learn are encouraged to apply. Articulate written/verbal English skills with a proactive approach to highlighting potential file issues. Ability to work fixed Australian business hours (9:00 AM – 6:00 PM AEST).