Senior Credit Analyst & Team Lead ( AU Mortgage with Mercury Nexus Exp)

Position: Senior Credit Analyst & Team Lead

Salary: AUD2,100 - AUD3,150/month (depending on skills and experience)

Working Hours & Conditions: Monday to Friday, 9:00AM - 6:00PM AEST

ROLE OVERVIEW:

We are looking for an experienced Senior Credit Analyst & Team Lead to take ownership of end-to-end loan processing, lead credit assessments, and directly supervise our offshore Virtual Assistant (VA). This is a senior role requiring both deep technical credit knowledge and genuine leadership capability. The right candidate takes full ownership of their files, operates proactively, and brings the judgment to navigate complex lending scenarios without needing to be guided through every step.

RESPONSIBILITIES:

Liaise internally with mortgage brokers and the VA team; and externally with lenders, bank portals, and compliance bodies as required.

Credit Assessment & Loan Packaging

• Perform detailed preliminary credit assessments, run Quickli servicing calculations, evaluate Equifax credit reports, verify client documents, and calculate complex borrowing capacities including non-standard and self-employed income scenarios.
• Identify and resolve complex lending scenarios (e.g. construction progress payments, irregular income structures) and anticipate lender requirements before they become issues.
• Ensure every application strictly adheres to Australian credit licensing compliance standards, lender credit guides, LVR boundaries, and privacy regulations.

Loan Lodgment & Quality Assurance

• Review, verify, and quality-check all AOL data entered by the VA before submission, maintaining zero-error standards across all major bank and non-bank lender portals.
• Take ownership of sourcing required lender forms, resolving submission issues, and managing rework efficiently to protect turnaround times.

CRM & Workflow Management

• Maintain accurate deal tracking, file notes, and workflow automation within Connective Mercury.
• Ensure the pipeline is clean, up to date, and moving, flagging risks or blockers to the broker promptly.

Team Leadership & VA Management

• Provide direct supervision, structured training, and day-to-day workflow guidance to the offshore VA.
• Build the VA’s capability over time, developing proactive problem-solving habits and increasing their independent output.
• Set clear expectations, review work quality consistently, and escalate issues where required.

Requirements

• Minimum 5 years of experience in the Australian mortgage broking industry in credit assessment, loan processing, or senior broker support
• Minimum 1 year of direct people management experience, with a genuine willingness to mentor and develop team members
• Strong technical credit depth, non-standard income verification, credit score threshold analysis, LVR boundaries, and lender policy interpretation
• Advanced, hands-on proficiency across Connective Mercury, Quickli, AOL, bank serviceability calculators, and lender portals
• Exceptional written communication skills and extreme attention to detail
• Ability to execute quickly and accurately in a high-volume, fast-paced environment
• Alignment with an inclusive, open-minded workplace culture, the team serves a diverse client base and candidates must share these values

TOOLS & SYSTEMS (NON-NEGOTIABLE):

• Connective Mercury CRM
• Quickli — serviceability and borrowing capacity modelling
• ApplyOnline (AOL) — advanced, hands-on proficiency required
• Individual bank serviceability calculators and lender portals

PREFERRED SKILLS (NICE TO HAVE):

• Exposure to Broker Engine, CoreLogic, or Salesforce
• Experience managing or mentoring offshore or remote VA teams
• Background handling high-volume broker pipelines across multiple lenders simultaneously