Mortgage House is an award-winning finance company with over 35 years of success in the Australian lending market. As we continue to scale our lending platform, we are seeking a high-calibre Senior Credit Analyst to play a key role in driving credit quality, consistency, and growth. Our team is ambitious, commercially minded, and collaborative—and we’re looking for someone who can operate with both sound credit judgement and a strong understanding of the non-bank lending environment. The Role As a Senior Credit Analyst, you will be responsible for assessing and approving complex residential and consumer lending applications, while maintaining a strong focus on credit quality, compliance, and turnaround times. You will also play a key role in mentoring team members and contributing to the ongoing refinement of credit policies, frameworks, and processes. Key responsibilities include: Assess and approve new mortgage applications, personal loans, and variations within delegation Make sound, commercially balanced credit decisions aligned with risk appetite and policy Identify and escalate credit quality issues, trends, and emerging risks Contribute to the development and enhancement of credit policies, tools, and processes Build and maintain strong relationships with internal stakeholders, brokers, white label partners, and funding panels Liaise with mortgage insurers and funding partners to maximise application outcomes Deliver timely, accurate, and consistent credit decisions Mentor and support junior analysts and lending staff on complex scenarios Promote a collaborative, high-performance credit culture About You Extensive experience in residential lending, with a strong background in credit assessment and approval Demonstrated ability to assess complex applications and exercise sound credit judgement Strong understanding of lending regulations (NCCP), credit policy frameworks, and risk management principles Excellent communication skills, with the ability to clearly articulate and justify credit decisions High attention to detail, with strong analytical and problem-solving capability Ability to operate in a fast-paced, growth-focused environment Relevant tertiary or industry qualifications (Finance, Commerce, Credit, Mortgage Broking or similar) Why Join Mortgage House? Exposure to securitisation, funding structures, and non-bank lending models Opportunity to influence credit policy and contribute to business growth Modern North Sydney office with harbour views Supportive team culture with genuine development opportunities Employee Assistance Program (EAP) Convenient location close to transport, shops, and amenities If you’re looking to take the next step in your credit career and make a meaningful impact in a growing non-bank lender, we’d love to hear from you. Apply now.