Senior Credit Analyst

1. Pre-Clean:

Conducting pre-assessment of loan files before they reach the credit stage.

Analysing lender policies to find appropriate solutions for applicants.

Collaborating with stakeholders to workshop applications based on suggested OBI

(Objective Borrower Information).

Managing the ordering of valuation and pricing.

Demonstrating a deep understanding of PAYG (Pay-As-You-Go) and Self-Employed

applicants.

Ensuring risk management and adherence to regulatory guidelines.

Utilizing problem-solving skills and in-depth knowledge of lending policies.

Accurate data entry into Mercury system.

Preparing a pre-clean for a broker with attention to detail.

Meeting or exceeding Key Performance Indicators (KPIs) set.

2. Credit:

Managing the end-to-end valuation, pricing, and loan process.

Demonstrating a comprehensive understanding of PAYG and Self-Employed applicants.

Ensuring risk management and compliance with responsible lending practices.

Following and managing compliance procedures to meet regulatory requirements.

Utilizing problem-solving skills and in-depth knowledge of lending policies.

Accurate data entry into Mercury system.

Preparing an application for lodgement to a lender with attention to detail.

Meeting or exceeding Key Performance Indicators (KPIs) set.

3. Settlement:

Being highly organized with exceptional attention to detail and prior experience in Financial

Services.

Reviewing loan contracts and supporting documentation for accuracy and completeness to

enable settlement.

Preparing entries for the disbursement of loan funds while ensuring approval conditions are

met.

Ensuring strict compliance with lender policies throughout the settlement process.

Working under pressure and adhering to tight deadlines, both autonomously and as part of

a team.

Serving as the primary point of contact for lenders, ensuring a premium service experience

and resolving issues for smooth settlement.

Demonstrating strong numerical and time management skills to meet funding deadlines

within agreed time frames.

Meeting or exceeding Key Performance Indicators (KPIs) set.

4. Communication:

Effective communication is a vital aspect of the Senior Credit Analyst role. You will proficiently

demonstrate the following skills when communicating:

Successfully Speak to Third Parties: Engage with third parties, such as lenders, via phone

calls and emails to discuss clients' applications professionally and confidently.

Confidence: Communicate with clients in a confident manner, assuring them that the

application is progressing positively and addressing any concerns they may have.

Positive Tonality: Communicate with clients using positive and encouraging language to

make them feel valued and special, understanding that the mortgage application process

can be stressful and nerve-wracking.

Manage Client Expectations/ Clarity in Explaining Next Steps: Keep clients informed at each

step of the mortgage application process. Explaining what they can expect next and when

they will be contacted again ensuring you update the client in that pre-positioned

timeframe.

Provide Regular Updates: Regularly reach out to clients, even when there are no significant

updates, to build trust and demonstrate their priority. Follow a structured communication

schedule, providing updates to clients on Mondays, Wednesdays, and Fridays, ensuring

transparency and keeping clients engaged.

Taking Ownership and Follow-up (TOFU): Take ownership of clients' questions and concerns,

providing thorough follow-up until a resolution is achieved, and ensuring direct

communication with clients regarding any relevant matters outside your expertise.

Certainty: Provide definitive answers when possible, and if uncertain, commit to finding a

100% solution and promptly informing the clients.

Explain the Why: Effectively communicate the rationale behind the lender's confidence in

the application, highlighting areas such as strong borrowing capacity and a substantial

deposit to instil confidence in clients.

Handling Changes and Challenges: Explain changes in Service Level Agreements (SLAs),

requests for More Information (MIR), reductions of debts, changes in loan structure,

reductions in loan amounts offered, and other relevant matters, with empathy and clarity.