Residential Credit Analyst

A trusted non-bank lender is seeking a Mortgage Credit Analyst due to strong organic growth. This non-bank lender is known for their competitive edge in the market. A great opportunity for an experienced credit analyst or underwriter to join a growing team and elevate their skillset within specialist lending.

About the role:

• Assess a variety of home loan applications predominantly via broker channels through to approval

• Analyse borrower financials including income, expenses, assets and liabilities

• Develop an understanding of credit risk, policy intent, and risk appetite, and how these apply to individual loan scenarios

• Identify key risks and mitigating factors, escalating and recommending outcomes where appropriate

• Prepare clear, well-reasoned credit assessments and recommendations

• Work closely with brokers, BDMs, and internal stakeholders to support quality lending outcomes

• Build knowledge of regulatory requirements and market trends, contributing to continuous improvement of credit processes

What we’re looking for:

• Experience as a mortgage credit assessor, analyst or underwriter within a non-bank is preferred

• Experience with more complex mortgage structures, such as self-employed, low doc, alt doc and trusts

• Clear written and verbal communication skills

• A degree in finance, accounting, economics or a related field is desirable but not essential

• Energy, positivity and a can-do attitude

What’s in it for you?

• A welcoming and supportive team environment

• A busy, fast paced and exciting workflow

• Hybrid working

• State-of-the-art office with additional perks & benefits

Please note Australian permanent residency or citizenship is required.

This role will move quickly. Submit your CV by Friday 30th October 2026 or contact Anita O'Connor at anita.oconnor@tompeople.com to learn more.