Senior Mortgage Credit Specialist

19 hours ago

Sydney, New South Wales, Australia beBeeCredit Full time $100,000 - $120,000

Mortgage Credit Manager Role Overview

This senior role is ideal for experienced credit professionals who thrive in credit assessment and enjoy supporting the development of others. You'll be responsible for assessing loan applications, structuring lending solutions, and contributing to team development through training resources and guidance.

  • Review and evaluate mortgage applications by analyzing financial documents such as tax returns, profit & loss statements, and income verification materials.
  • Evaluate each client's unique financial situation to recommend suitable lenders and lending structures that meet their individual needs.
  • Engage directly with clients to understand their long-term financial goals and provide tailored mortgage strategies to support those objectives.
  • Liaise with lending partners to negotiate favorable loan terms, secure competitive interest rates, and ensure optimal client outcomes.
  • Deliver end-to-end support throughout the loan lifecycle, including document collection, timeline communication, and guiding clients through the approval process.
  • Stay up to date with lender policies, compliance regulations, and industry standards to ensure advice is accurate, compliant, and of high quality.
  • Monitor market trends, economic shifts, and developments that may impact lending criteria.
  • Lead and mentor a team of junior Credit Analysts, providing oversight on complex loan files to ensure high-quality credit decisions.
  • Develop comprehensive training resources for new Credit Analysts and facilitate their progression into the role.
  • Act as a subject matter expert within the credit team, providing solutions and strategic input on escalated or non-standard lending scenarios.
  • Drive continuous improvement initiatives by identifying workflow efficiencies, credit policy enhancements, and team development opportunities.


Required Skills and Qualifications

  • Background in mortgage credit, small business banking, or home lending, with experience supporting self-employed clients.
  • Strong working knowledge of credit policy, loan structuring, and lending principles.
  • Excellent written and verbal communication skills to explain complex financial matters clearly to clients and team members.
  • A detail-focused approach with solid analytical capabilities.


Benefits

This role offers a challenging and rewarding opportunity to work with a dynamic team and contribute to the growth and success of the organization.


Other Information

Seniority Level: Mid-Senior level

Employment Type: Full-time

Job Function: Finance and Sales

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