Role Description The Credit Analyst is responsible for supporting mortgage brokers by managing the end-to-end loan processing cycle. This includes: - Collating client supporting documents - Initial credit pre-assessment - Credit proposal creation - Preparing, reviewing, and submitting loan applications - Liaising with the broker, clients, lenders, and referral partners - Ensuring all compliance and documentation requirements are met to deliver a seamless customer experience Responsibilities - Liaise internally with Directors, Mortgage Brokers, Broker Support Team - Liaise externally with Clients, Lenders and Banks, Solicitors and Conveyancers, Referral Partners, Real Estate Agents - Loan Application, Processing & Settlement - Accurately prepare, review, and submit loan applications in a timely manner by referring to submission/application checklist and following company standardised processes - Verify client information and documentation to meet lender requirements and compliance standards - Liaise with lenders, solicitors, conveyancers, real estate agents, clients and referral partners to track the progress of applications and resolve any issues or delays - Client Consultation and Credit Analysis - Act as the primary point of contact for clients during the loan processing phase (pre-assessment to settlement) - Provide personalised guidance on mortgage options based on clients' needs and preferences collaboratively with the broker - Clearly explain mortgage terms, interest rates, and repayment plans to clients as necessary - Provide updates and respond to client inquiries regarding their applications - Guide clients through the document collection process, ensuring all necessary paperwork is received and complete - Compliance and Documentation - Ensure all applications meet regulatory, lender and company compliance standards - Review loan documents with clients to ensure understanding and accuracy - Maintain up-to-date knowledge of lender policies, products, and industry regulations - Follow credit assessment checklist and process - Keep accurate records of all client interactions and document submissions in the CRM system - Ensure client data is correctly filed in the database folder system to the company standard format and file naming conventions - Customer Relationship Management - Build and maintain strong relationships with clients, lenders and external industry and referral partner contacts - Provide ongoing support and guidance throughout the mortgage process, addressing any concerns or questions - Complete regular annual product interest rate reviews (post settlement) with clients to ensure satisfaction and explore opportunities for future business - Professional Development - Stay updated on industry regulations, market developments, and best practices through continuous education and training - Obtain necessary licences and certifications as required to ensure compliance with regulatory requirements - Attend regular online and face to face industry and lender training as required - Team Collaboration - Work closely with mortgage brokers to ensure a smooth handover from application to approval stages - Immediately raise any concerns or queries on files in progress to the mortgage broker - Provide feedback to brokers and management on process improvements or recurring challenges - Participate in team meetings and training sessions as required Key Performance Indicators - Accuracy and timeliness of initial pre-assessment/loan proposal - Accuracy and timeliness of loan submissions - Client satisfaction scores and feedback - Percentage of approved loans versus applications submitted - Percentage of accurate loan submissions with nil errors/unnecessary submission rework - Percentage of loan settlements meeting required deadlines - Compliance audit results - Submission and pre-assessment process audit results - Completion of annual reviews Qualifications - Minimum 5 years experience in AU Mortgage Broking Industry - Exceptional customer service - Strong understanding of mortgage, asset finance, personal loan and business/commercial loan products and application processes - Experience in loan processing, financial services, or a related field - Proficiency in CRM systems and loan submission platforms - Excellent attention to detail and organisational skills - Strong communication skills (verbal and written) - Positive attitude and strong work ethic - Demonstrated problem solving ability - Excellent time management & planning - Experience with Mercury CRM (essential) and Microsoft Preferred Skills - Certificate IV in Finance and Mortgage Broking or equivalent - Previous experience in a mortgage broking firm or lending institution - Knowledge of regulatory requirements in the financial services industry

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• Responsible for the implementation of complex Epic tools and processes, and the proactive support and maintenance of assigned Epic modules. • Works independently with minimal supervision to effectively scope, plan, and deliver on customer requests to include break fix issues and projects. • Serves as the Epic Subject Matter Expert (SME) in assigned Epic module(s). • Aids in decisions on integrating applications and improving Epic workflows. • Utilizes best practices to implement and document consistent Epic builds. • Takes ownership of high complexity issues. • Highly responsive to customers and shows an aptitude for the development and documentation of customer requirements. • Serves as a mentor to junior analysts learning Epic.