Credit Manager

JOB TITLE: Credit Assessment Manager - Mortgage

JOB TYPE: Full Time – Permanent

LOCATION: 4/174–180 Pacific Highway, North Sydney (Hybrid – 2–3 days office)

SUPERVISOR/MANAGER: Joel Wyld, Director

Peasy is an award-winning, tech-driven mortgage brokerage based in North Sydney, helping clients achieve smarter property finance outcomes.

We're looking for a Credit Assessment Manager to lead the quality and accuracy of our loan assessments. This role bridges technical assessment, policy knowledge, and team leadership — supporting a group of Research Analysts and ensuring our loan recommendations meet lender policy, servicing, and structure requirements.

This is a hands-on role for a high-performing credit professional who thrives on complex scenarios, loves guiding others, and can assess all residential loan types — from PAYG to self-employed, trust, company, and bridging structures.

Assessment Leadership

• Oversee loan assessments to ensure accuracy in servicing, structure, and lender selection.
• Direct Research Analysts on loan processing, policy checks, and loan structuring approach.
• Conduct second-level reviews for complex applications and sign off recommendations before application handover.
• Identify potential risks or servicing shortfalls early and collaborate with brokers to adjust strategy.

Collaboration & Guidance

• Act as the primary technical support contact for Research Analysts handling complex or unusual scenarios.
• Liaise with brokers, accountants, and other third parties where necessary to clarify income or structure details.
• Maintain open communication with Relationship Managers to ensure files move quickly and accurately to submission.

Quality Assurance & Process Improvement

• Review team output for consistency with Peasy's policy matrix, templates, and documentation standards.
• Provide coaching feedback on file quality and policy interpretation.
• Recommend process improvements and system enhancements (Quickli, Accurateli, Process Street, etc.).

Credit Policy & Knowledge Management

• Stay up to date with lender policy and credit appetite changes, briefing the team regularly.
• Contribute to Peasy's internal credit knowledge base and scenario tracker.
• Work closely with leadership to refine assessment templates and checklists.

Accurateli
• Peasy Policy Matrix
• Quickli
• Process Street
• Google Suite
• Microsoft Excel

Qualifications

• No formal qualification required (Cert IV in Finance & Mortgage Broking advantageous).

Experience

• Minimum 3 years' experience in credit assessment, loan processing, or mortgage analysis.
• Strong understanding of residential lending structures, including self-employed, trusts, companies, and bridging loans.
• Prior exposure to multiple lenders or aggregator environments preferred.

Skills

• Deep knowledge of policy interpretation and serviceability assessment.
• Advanced Excel and analytical capabilities.
• Excellent written communication and attention to detail.
• Confident decision-making under pressure.
• Collaborative and mentoring mindset; able to explain complex credit issues clearly.

• Stage 2 assessments completed within 2 business days of file readiness.
• Maintain 95%+ accuracy rate across reviewed applications.
• Provide timely support to analysts and brokers to prevent bottlenecks.
• Contribute to continuous improvement and policy updates across the team.

At Peasy, we blend flexibility with performance — working smarter, not longer. You'll join a highly capable and collaborative team committed to delivering outstanding results for our clients.

We offer flexible hybrid working arrangements, professional growth opportunities, and the chance to shape how one of Australia's most forward-thinking brokerages approaches credit assessment.