Credit Analyst (CA)

Job description

About Us: At Alaya, we pride ourselves on our guiding values of Care, Passion, and Oneness. We take pride in offering tailored solutions to our clients, helping them achieve their financial goals with confidence. As a member of our team, you will have the opportunity to collaborate with like-minded individuals, celebrate your unique talents, and build meaningful professional connections. Our dedication to employee well-being and success has earned us numerous awards, including the 2023 HRD Asia 5-Star Employers of Choice Award, the 2021 Liberty Australian Brokerage of the Year Award and the Best Community Engagement Program 2024. About The Role: As a Credit Analyst, you will play a critical role in supporting mortgage brokers through the assessment and submission lifecycle for the Australian home loan market. This role requires strong attention to detail, a sound understanding of lender policies, and the ability to complete accurate, compliant, and timely loan assessments. You will be responsible for reviewing client files, assessing scenarios, preparing preliminary assessments and application forms, checking lender requirements, and identifying missing documents before submission. You will also work closely with brokers, Loan Processing Specialists, lenders, and internal stakeholders to ensure smooth file progression from assessment through to post-submission and post-settlement support. This role is ideal for someone who enjoys solving complex scenarios, working with detailed information, learning lender policies, and contributing to the quality and accuracy of mortgage brokerage services. About You: You thrive in a fast-paced environment where accuracy, compliance, and strong attention to detail are valued. You take responsibility for outcomes, not just tasks, and understand that even small documentation or data errors can lead to serious compliance risks. You are proactive in finding solutions, asking the right questions, and contacting lenders or internal stakeholders to clarify requirements when needed. You have a strong desire to learn and develop professionally, especially in credit assessment, lender policies, loan structures, and the Australian home loan market. You communicate clearly and professionally with brokers, Loan Processing Specialists, and team members to ensure smooth coordination and timely file progression. You are organised, dependable, and able to manage multiple priorities while maintaining quality and accuracy in your work. You collaborate well with others, support team success, and are open to sharing knowledge when required. If you prefer routine tasks with limited learning or are not comfortable taking ownership of accuracy and compliance, this role may not be the right fit. Major Deliverables: Assess client files once completed forms and required documents are received. Contact lenders to determine client eligibility and identify suitable loan structures. Prepare preliminary assessments and application forms before submission. Review lender checklists, identify missing documents, and complete required loan checklists. Identify and address compliance issues and inform brokers accordingly. Support brokers in maintaining existing client portfolios and ensuring timely post-settlement service. Follow approved processes for documentation, data security, client confidentiality, and ISO 27001:2022 requirements. Support team development through knowledge sharing and guidance to new team members when required. Complete ad hoc tasks, projects, and related duties as assigned. Requirements Apply if you have: Master’s degree running or completed in Finance, Business, Management, or a related field, ACCA candidates with no more than 3 papers remaining, or semi-qualified CA candidates. At least 2 years of experience in the finance sector. Top-notch written and verbal communication skills. Strong attention to detail, especially when reviewing loan files, documents, lender checklists, and compliance requirements. Problem-solving ability and a solution-focused mindset. General numerical and financial calculation skills. Strong planning and organisational skills. Ability to prioritise tasks and handle multiple projects simultaneously. Ability to work in a fast-paced environment with accuracy and consistency. A strong desire to learn and develop professionally, as there will be a significant learning curve. Proficiency in Google Apps, including Google Drive, Docs, and Sheets. Strong work ethics, accountability, and dependability. Career Progression The Credit Analyst role provides a strong pathway for professional growth within credit assessment, mortgage broking, and leadership functions. With strong performance, continued learning, and demonstrated ownership, team members may progress towards roles such as: Senior Credit Analyst Mortgage Broker Credit Team Leader or Manager Benefits Why should you join us? At Alaya, we love the work we do and the colleagues we work with. We offer great growth and career advancement opportunities for our employees. While we operate in a fast-paced environment, we also value a supportive culture where people can learn, grow, and contribute meaningfully. In this role, you will gain exposure to the Australian mortgage industry, develop strong technical knowledge in credit assessment, and play an important part in supporting brokers and clients through accurate and compliant loan assessments. And yes, we work only 5 days a week! What we offer: Besides the list of benefits that the Labour Law mandates, we also offer: Salary + Social Security Fund (SSF) 5-day work week, Monday to Friday Exclusive paid leaves Conducive and fun working environment Festival, profit, and book reading bonus Team building activities and social events Accidental and medical insurance coverage International working environment exposure Continuous learning and development opportunities Plus, take advantage of our Customer Referral program to earn rewards by recommending our services to friends and relatives in Australia. Our office is open, so if you're selected, we'd be happy to work with you in person! Disclaimer: By submitting your job application, you consent to the retention and processing of your personal data in our recruitment database for recruitment purposes. You also acknowledge and consent that your application may be reviewed and processed with the support of AI tools, and that certain stages of the recruitment process may include recorded transcriptions that may be processed through AI to support fair, accurate, and efficient recruitment decisions. Your data will be stored securely and will only be accessible to authorised personnel. Ready to Apply? If you’re looking for a role where your attention to detail, problem-solving ability, and willingness to learn can make a real impact, we’d love to hear from you. Join us and be part of a team that values growth, collaboration, accuracy, and excellence.