Credit Analyst (Australian Mortgage Brokers, WFH)

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Requirements:

• Bachelor's Degree.
• Prior experience in the AU broking/banking/mortgage industry preferred.
• Strong analytical skills for assessing financial statements, credit risk, and asset valuations.
• Proficient in financial modeling, cash flow analysis, and financial statement interpretation.
• Understanding of commercial real estate markets and economic factors impacting credit risk.
• Excellent verbal and written communication skills.
• Ability to meticulously review financial documents.
• Familiarity with lending regulations and compliance requirements.
• Certificate IV Financing & Mortgage Brokering (nice to have).

Responsibilities:

• Review and analyze the creditworthiness of residential & commercial borrowers and associated assets.
• Assess the risk associated with mortgage loan applications by evaluating financial stability and repayment capacity.
• Conduct assessments of collateral to determine value and marketability.
• Analyze financial statements to evaluate the ability to generate sufficient cash flow for debt service.
• Evaluate economic and industry-specific factors affecting borrower repayment.
• Collaborate with loan officers to structure loan terms managing credit risk.
• Ensure compliance with lending regulations in documentation and decisions.
• Communicate credit decisions and offer recommendations to improve creditworthiness.
• Recommend risk mitigation strategies and stay informed about market conditions.