高级抵押贷款信用分析师支持 - 澳大利亚（MyCRM）
Senior Mortgage Credit Analyst Support - AU (MyCRM)
关于我们公司：
我们是一家成熟的金融和按揭经纪公司，在广泛的贷款人名单上提供住宅、商业和资产融资。我们正在寻找一位高级处理与提交专家，负责从接受到结算的贷款文件。
这是一个适合已经超越纯行政工作的职位。如果你在评估师之前就能看到文件中的信用风险，并且更愿意解决交易而不是转发拒绝——我们想和你谈谈。
职位概述：
我们正在寻找一名高级按揭信用分析支持人员，作为我们4位经纪人和3位墨尔本本地信用分析师之间的重要桥梁。这不是一个入门级的行政或基础数据录入工作——我们需要一位具有分析能力、积极主动的处理人员，能够解读贷款人政策，评估复杂的收入结构，并交付符合审计要求的交易文件，供高级信用审查使用。
主要职责
交易准备与结构设计：
- 使用 Hello 包和 MyCRM 收集、审核并分析客户财务文件。
- 进行偿债能力计算、收入调整、HEM 基准比较以及债务收入比（DTI）分析。
- 分析自雇人士的财务资料（税务申报表、财务报表），并识别可允许的加回项。
- 解读贷款人信用政策（例如 CBA、Macquarie、RedZed），确定合适的贷款人匹配，并提前标记拒绝风险。
流程与 CRM 管理：
- 保持完整的合规记录（签署的同意书、事实调查、BID 备注）。
- 确保文件完整（在交接前达到 80%–100% 的数据和文件准备就绪）。
- 在 MyCRM 中更新状态、备注和任务，以便任何团队成员都能无缝查看文件。
团队协作：
- 将已完全准备好的文件打包并提交给本地高级信用分析师，通过 Apply Online / NextGen 进行最终审查和提交。
- 积极与经纪人和信用人员直接沟通政策细节或缺失信息。
要求
- 3 年以上澳大利亚住宅贷款处理、提交或贷款人信用评估经验。
- 对偿债能力机制有深入了解（缓冲利率、HECS/HELP 处理、信用卡额度加载、LVR/LMI 阈值）。
- 具有 MyCRM（LMG）经验者优先。具备其他澳大利亚抵押贷款 CRM 经验且展示出高技术能力和学习意愿的候选人欢迎申请。
- 具备清晰的书面和口头英语能力，积极主动。
查看英文原文
ABOUT THE COMPANY:
We're an established finance and mortgage broking business writing residential, commercial and asset finance across a broad lender panel. We're looking for a senior processing and submission specialist to take ownership of our loan files from acceptance through to settlement.
This is a role for someone who has outgrown pure administration. If you already read a file and see the credit risks before the assessor does — and you'd rather fix a deal than forward a decline — we want to talk to you.
ROLE OVERVIEW:
We are seeking a Senior Mortgage Credit Analyst Support to serve as a vital bridge between our 4 brokers and 3 Melbourne-based Credit Analysts. This is not an entry-level admin or basic data-entry job—we need an analytical, proactive processor who can interpret lender policies, assess complex income structures, and deliver audit-ready deal packages ready for high-level credit review.
Key Responsibilities
Deal Preparation & Structuring:
- Collect, audit, and analyze client financial documents using Hello packs and MyCRM.
- Perform serviceability calculations, income shading, HEM benchmark comparisons, and debt-to-income (DTI) analysis.
- Analyze self-employed financials (tax returns, financial statements) and identify allowable add-backs.
- Interpret lender credit policy (e.g., CBA, Macquarie, RedZed) to determine appropriate lender fit and flag decline risks early.
Workflow & CRM Management:
- Maintain complete compliance records (signed consents, fact finds, BID notes).
- Ensure file completeness (aiming for 80%–100% data and document readiness prior to handoff).
- Keep status, notes, and tasks updated in MyCRM so any team member can review a file seamlessly.
Team Collaboration:
- Package and present fully prepared files to onshore Senior Credit Analysts for final review and submission via Apply Online / NextGen.
- Actively communicate policy nuances or missing information directly with brokers and credit staff.
Requirements
- 3+ years in Australian residential loan processing, submissions, or lender credit assessment.
- Strong understanding of serviceability mechanics (buffer rates, HECS/HELP treatment, credit card limit loading, LVR/LMI thresholds).
- Experience with MyCRM (LMG) is highly regarded. Candidates with experience in other Australian mortgage CRMs who demonstrate high technical aptitude and willingness to learn are encouraged to apply.
- Articulate written/verbal English skills with a proactive approach to highlighting potential file issues.
- Ability to work fixed Australian business hours (9:00 AM – 6:00 PM AEST).
Originally posted on Himalayas