Credit Analyst- Australian Mortgage

Job Description

Role Description

This is a full-time, on-site Credit Analyst role, based in Kathmandu. The Credit Analyst will be responsible for evaluating Australian mortgage applications, conducting comprehensive financial analysis, and assessing creditworthiness in compliance with established policies and regulatory requirements. Day-to-day tasks include preparing detailed credit assessments, monitoring loan applications, communicating findings with stakeholders, and ensuring accurate documentation to assist decision-making processes.

Qualifications

• Analyse income documents such as payslips, tax returns, and financial statements to determine client income for PAYG, self-employed, or business owner clients.
• Prepare detailed loan submissions including credit proposals, income breakdowns, loan summaries, and clear exit strategies for retirement planning.
• Conduct thorough scenario analysis to identify the most suitable lender by evaluating the client’s financial position, loan preferences, and matching with lender policies.
• Validate declared living expenses by comparing them to Household Expenditure Measure (HEM) benchmarks and confirming accuracy with financial statements.
• Review broker notes to extract key insights and integrate them into the loan strategy to ensure alignment with client needs and financial goals.
• Ensure accurate and up-to-date data management by verifying CRM entries against supporting documents and maintaining consistent client records.
• Complete comprehensive financial position reviews by checking the accuracy of declared assets, liabilities, and monthly expenses against bank statements.
• Organize and maintain client folders, redacting sensitive information and preparing complete, compliant document sets for submission.
• Draft professional emails to clients that clearly outline the lending strategy, approval conditions, and required next steps.
• Provide expert guidance on loan applications requiring exceptions, recommending tailored strategies to align with lender policies and improve approval likelihood.