Working Hours: Mondays to Fridays; 8:30 AM to 5:30 PM Brisbane Time
Holidays: TBD
Role Overview:
We are seeking an experienced Credit Analyst / Parabroker to manage loan files end-to-end from broker handover to settlement.
This is a fully autonomous role supporting one broker. You will drive files forward, manage timelines, analyse income (PAYG and self-employed), assess credit and liabilities, select lenders, coordinate valuations, and ensure compliance, all without micromanagement.
Strong attention to detail, critical thinking, and proactive file management are essential.
Duties and Responsibilities:
End-to-End File Management
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Drive loan files from broker handover through document collection, analysis, submission, settlement, and post-settlement
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Conduct living expense analysis
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Analyse PAYG income including payslips, salary credits, and salary sacrifice arrangements
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Analyse self-employed income (full doc assessment)
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Pull and assess credit files
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Identify liabilities from Fact Find, credit file, and bank statements
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Conduct lender research, policy checks, and product recommendations
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Complete detailed diary notes for internal records and submission
Loan Submission & Processing
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Prepare and package loan applications in Broker Engine
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Order valuations and manage through to completion
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Manage pricing requests
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Liaise with XSource regarding MIRs and loan documents
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Action returned MIRs and documents within expected timeframes
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Track and manage lender conditions
Compliance & Documentation Standards
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Ensure strict compliance with lender policies and internal procedures
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Rename and file all documents according to required naming conventions (no exceptions)
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Save documents in correct folders immediately upon receipt
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Edit all email templates and forms to ensure accuracy before sending
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Ensure specialised documents are collected for complex scenarios (e.g., separation agreements, guarantor documents, bridging requirements)
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Modify document requests to reflect actual deal circumstances (e.g., single applicant vs joint)
Settlement & Timeline Management
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Track finance and settlement dates independently using Broker Engine and/or calendar tools
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Follow up lenders, solicitors, and conveyancers
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Ensure no file remains inactive beyond three days without valid reason
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Escalate issues early and proactively
Requirements
Must Haves:
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At least 3 years of experience as a Credit Analyst or Parabroker (end-to-end processing required)
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Strong understanding of the 5 C’s of Credit and lender credit policy
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Experience analysing PAYG and self-employed income
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Proficiency in CRM systems and Microsoft Office
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Experience using Broker Engine (highly regarded)
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Experience with Quickli and lender servicing calculators
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Experience pulling and analysing credit files
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Knowledge of lender servicing calculators and broker portals
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Experience ordering valuations and managing settlements
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Strong attention to detail and organisational skills
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Excellent written and verbal English communication skills
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Ability to work autonomously and drive files without micromanagement