Brokerage & Co is a leading, technology-driven mortgage brokerage committed to an outstanding client experience, guided by one of Australia's premier mortgage brokers.
Brokerage & Co is seeking a highly motivated and experienced credit professional to step into the role of Credit Analyst – Team Lead. Based in our Adelaide office, this role is a great opportunity to take ownership of complex loan scenarios and build a high-performing team executing credit assessments, compliance, and client strategies.
The Team Lead serves as the subject matter expert, responsible not only for end-to-end management of difficult files but also for developing the Credit Analyst team in technical policy interpretation and complex deal structuring.
Key Responsibilities
1. Credit Assessment & Deal Ownership
The role is responsible for the full lifecycle of complex loan applications, ensuring accuracy, compliance, and strategic alignment:
Deal Ownership:
Take full ownership of deals from allocation to settlement, ensuring a seamless and efficient process, while delegating relevant tasks to the Loan Processing Specialist (LPS).
Analysis & Policy:
Review client information and supporting documents in detail, and maintain a thorough working knowledge of lender policies and guidelines.
Servicing:
Perform servicing calculations (via Quickli and lender calculators).
Strategy & Scenarios:
Work alongside our expert Brokers to prepare and review comprehensive loan advice and strategy documents.
Lender Collaboration:
Workshop difficult credit scenarios with brokers and lenders, and handle Mortgage Intermediary Requests (MIRs) with lenders and clients (requesting LPS to send emails as needed).
Information Gathering:
Liaise with the Broker and Client Services Manager (CSM) to gather any additional information required for the application (with the CSM managing client follow-up).
Query Management:
Handle any complex credit questions received from clients.
Quality Control:
Review details on approval letters, ensuring all terms and conditions are correct, and review the final application before giving the LPS the go-ahead to submit application documents.
Handover:
Prepare the completed file for a smooth handover to the LPS for post-submission management.
2. Team Leadership & Process Excellence
In this role, you will drive operational efficiency and manage the professional development of the Credit Analyst team:
Coaching & Mentoring:
Conduct and coach the team on complex policy interpretation and advanced client communication, including conflict resolution techniques.
Credit Judgment:
Guide team members in applying nuanced credit judgement and commercial sense in their decision-making.
Strategic Problem-Solving:
Workshop difficult credit scenarios and structures that other staff members struggle with, and provide assistance with declined applications.
Risk & Compliance:
Train the team on emerging fraud and risk patterns and manage escalations for high-risk files.
Template Development:
Develop best-practice templates and strategies for efficient query resolution and lender negotiation.
Candidate Profile & Requirements
The successful candidate will have the following skillset:
Proven experience as a Credit Analyst or similar role in the Australian lending or broking industry.
Demonstrated ability to structure, review, and sign off on complex client advice and strategy documents.
Expert-level knowledge of lender policies and servicing calculations.
Knowledge of commonly used software systems will be preferred.
Experience in conducting file reviews and ensuring team compliance with Responsible Lending Obligations (NCCP).
Strong verbal and written communication skills for professional engagement with clients, brokers, and BDMs.
A motivated professional who thrives in a high-ownership, fast-paced environment.
Salary, Benefits and Perks
Generous salary + super
Flexible work environment and hours
Employee wellness benefits including gym memberships
Subsidised mobile phone & internet
Laptop + all the newest finance technology at your fingertips
Ideal office locations (city fringe urban hubs with transport options)
Access to employee discount program (major retailers, restaurants, utilities, experiences and more)
Flexible public holiday swap option – swap up to 2 public holidays a year for those that are more meaningful to you
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