Brokerage & Co is seeking a highly motivated and experienced credit professional to step into the role of Credit Analyst - Team Lead. Based in our Adelaide office, this role is a great opportunity to take ownership of complex loan scenarios and build a high-performing team executing credit assessments, compliance, and client strategies.
The Team Lead serves as the subject matter expert, responsible not only for end-to-end management of difficult files but also for developing the Credit Analyst team in technical policy interpretation and complex deal structuring.
Key Responsibilities
* Deal Ownership: Take full ownership of deals from allocation to settlement, ensuring a seamless and efficient process, while delegating relevant tasks to the Loan Processing Specialist (LPS).
* Analysis & Policy: Review client information and supporting documents in detail, and maintain a thorough working knowledge of lender policies and guidelines.
* Servicing: Perform servicing calculations (via Quickli and lender calculators).
* Strategy & Scenarios: Work alongside our expert Brokers to prepare and review comprehensive loan advice and strategy documents.
* Lender Collaboration: Workshop difficult credit scenarios with brokers and lenders, and handle Mortgage Intermediary Requests (MIRs) with lenders and clients (requesting LPS to send emails as needed).
* Information Gathering: Liaise with the Broker and Client Services Manager (CSM) to gather any additional information required for the application (with the CSM managing client follow-up).
* Query Management: Handle any complex credit questions received from clients.
* Quality Control: Review details on approval letters, ensuring all terms and conditions are correct, and review the final application before giving the LPS the go-ahead to submit application documents.
* Handover: Prepare the completed file for a smooth handover to the LPS for post-submission management.
Team Leadership & Process Excellence
* Coaching & Mentoring: Conduct and coach the team on complex policy interpretation and advanced client communication, including conflict resolution techniques.
* Credit Judgment: Guide team members in applying nuanced credit judgment and commercial sense in their decision-making.
* Strategic Problem‑Solving: Workshop difficult credit scenarios and structures that other staff members struggle with, and provide assistance with declined applications.
* Risk & Compliance: Train the team on emerging fraud and risk patterns and manage escalations for high‑risk files.
* Template Development: Develop best‑practice templates and strategies for efficient query resolution and lender negotiation.
Candidate Profile & Requirements
* Proven experience as a Credit Analyst or similar role in the Australian lending or broking industry.
* Demonstrated ability to structure, review, and sign off on complex client advice and strategy documents.
* Expert‑level knowledge of lender policies and servicing calculations. Knowledge of commonly used software systems (including Quickli) will be preferred.
* Experience in conducting file reviews and ensuring team compliance with Responsible Lending Obligations (NCCP).
* Strong verbal and written communication skills for professional engagement with clients, brokers, and BDMs.
* A motivated professional who thrives in a high‑ownership, fast‑paced environment.
Your application will include the following questions:
* Which of the following statements best describes your right to work in Australia?
* How many years' experience do you have as a Credit Analyst?
* How many years' experience do you have with personal lending?
* Which of the following Microsoft Office products are you experienced with?
* Do you have experience working towards targets and KPIs?
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