Credit Analyst / Credit Manager - Private Lending (AU Residential Lending)

Position: Credit Analyst / Credit Manager – Private Lending

Salary: Competitive salary package based on experience, plus performance incentives

Working Hours & Conditions: Aligned with Australian hours; full-time - remote

OVERVIEW:

This is an excellent opportunity for someone with Australian lending and credit experience who is looking to gain exposure to private lending and work directly alongside experienced decision makers.

You will be involved in the full lending process from initial assessment through to settlement, while helping prepare high-quality credit submissions for approval.

As the business grows, you will become an integral part of our credit function and assist with deal structuring, portfolio management and credit operations

RESPONSIBILITIES:

Assess residential, commercial and business-purpose loan applications

Prepare and package detailed credit submissions

Review financial statements, tax returns, bank statements and supporting documents

Analyse servicing, security, exit strategies and overall transaction risk

Review valuations, company searches, trust structures and borrower background information

Liaise with brokers, borrowers, solicitors, valuers and other stakeholders

Assist with transaction management from application through to settlement

Work closely with our administration team to ensure efficient processing of applications

Support ongoing portfolio monitoring and reporting

Assist with developing and improving internal credit policies and procedures

Requirements

QUALIFICATIONS:

Essential

Minimum 3 years' experience in Australian lending, credit assessment or loan processing

Strong understanding of Australian mortgage lending and credit principles

Experience analysing borrower financials and supporting documentation

Excellent written and verbal communication skills

Strong attention to detail and ability to manage multiple transactions

Ability to work independently in a fast-paced environment

Highly Regarded

Experience in commercial property lending

Experience in private lending, non-bank lending or specialist lending

Exposure to development finance or construction lending

Experience writing credit papers and preparing lending recommendations

Understanding of trust, company and SMSF structures

Benefits

WHAT WE OFFER:

Exposure to a wide range of residential, commercial and development transactions

Direct access to senior management and credit decision makers

Opportunity to build a long-term career in private lending

Diverse and interesting deal flow

Supportive and entrepreneurial team environment

Genuine opportunity for career progression as the business grows

Originally posted on Himalayas