Position: Financial Analyst Reporting to: Senior Analyst Location: Level 34, 101 Miller Street, North Sydney NSW 2060 Mortgage House Capital Pty Ltd is the administrative company within the Mortgage House Group for a number of mortgage origination companies. Mortgage House is an independent privately owned award winning finance group with over 35 years’ experience of providing exceptional levels of service to our valued customers. We have a service philosophy that enables a broad range of customers to have access to quality home loan and financial products. We are a performance driven organisation transforming the way we work to serve our customers and embrace people who are just as dedicated and passionate about their career. Mortgage House is an active participant in the Securitisation (RMBS) market. Key role within the Finance team, responsible for supporting day-to-day finance and treasury operations, regulatory and internal compliance, and assisting with warehouse lending management and RMBS issuance. The role spans settlements, drawdowns, month-end trust management, reconciliations, reporting, and stakeholder engagement. KEY RESPONSIBILITIES Responsibilities are set out below and will be reviewed quarterly: Prepare monthly securitisation trust reporting (investor reports, payment directions) Provide data and analysis to the Treasury team for month-end reporting. Undertake monitoring and forecasting of funding facility limits. Review loan variation requests such as structure changes, closing or opening loan splits, adjusting split limits, and processing partial discharges. Provide advice for settlements for construction loans, loan variations, and trust accounts, ensuring timely and accurate payments. Manage construction drawdowns on behalf of Mortgage House ensuring compliance of financial obligations under the contract. Use various software tools to perform detailed analysis and forecasting to support funding decisions and manage funding limits. Support the Customer Solutions Team with Treasury-related customer inquiries Undertaking process, software and system reviews and testing to improve efficiencies. Collaborated with rating agencies to provide updates on the performance of Residential Mortgage-Backed Securities (RMBS). Support execution of new RMBS issuance, providing financial data and ensuring regulatory compliance. Manage daily home loan settlements (payment directions, loan advances, fund allocation/ settlements forecast and reconciliation) Manage and monitor daily cash flow, ensuring liquidity across accounts to meet operational needs. Ensure accurate and timely completion of Trust’s Bank Account reconciliations. Communicate effectively with external parties including investors, originators, and servicers to address queries and issues. Support the Finance/Treasury team with other tasks as required Other duties as assigned by Management SKILLS, KNOWLEDGE & EXPERIENCE Experience At least one year experience in a similar role Finance: Understanding of Mortgage House systems and reports – E-IB, EMMS, trust reports Understanding of EMMS/EIB data structures and reporting flows. Excel modelling and data handling proficiency. Bank account reconciliation capability. Cash flow forecasting and liquidity monitoring. Reconciliation of E-IB reports for monthly reporting Budgeting and forecasting experience Experience working with large datasets and financial systems Treasury and Capital Markets Develop knowledge of warehouse and RMBS process and capital markets Build understanding of debt capital markets, legal documentation, and rating agency criteria. Strengthen knowledge of credit risk policies and procedures. Champion compliance with warehouse rules (in collaboration with Credit, Finance, and IT). QUALIFICATIONS Relevant qualifications from a recognised college or university with a major in Accounting, Finance, Business Administration or closely related field PERSONAL ATTRIBUTES Excellent attention to detail Strong analytical and problem-solving skills. Passion for delivering accurate, high-quality work. Clear written and verbal communication. Planning and organisational skills. Resilient, flexible, and adaptable to change. Self-motivated and deadline-driven. Willingness to assist beyond normal duties when required. Effective team player across Mortgage House teams. Salary commensurate with experience in the range $75K – $85KSuper