Parabroker, Credit Analyst – End-to-End
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Job Description
Credit Analyst managing loan files from broker handover to settlement, ensuring compliance and timely processing in an autonomous role.
Responsibilities:
- Drive loan files from broker handover through document collection, analysis, submission, settlement, and post-settlement
- Conduct living expense analysis
- Analyse PAYG income including payslips, salary credits, and salary sacrifice arrangements
- Analyse self-employed income (full doc assessment)
- Pull and assess credit files
- Identify liabilities from Fact Find, credit file, and bank statements
- Conduct lender research, policy checks, and product recommendations
- Complete detailed diary notes for internal records and submission
- Prepare and package loan applications in Broker Engine
- Order valuations and manage through to completion
- Manage pricing requests
- Liaise with XSource regarding MIRs and loan documents
- Action returned MIRs and documents within expected timeframes
- Track and manage lender conditions
- Ensure strict compliance with lender policies and internal procedures
- Rename and file all documents according to required naming conventions (no exceptions)
- Save documents in correct folders immediately upon receipt
- Edit all email templates and forms to ensure accuracy before sending
- Ensure specialised documents are collected for complex scenarios (e.g., separation agreements, guarantor documents, bridging requirements)
- Modify document requests to reflect actual deal circumstances (e.g., single applicant vs joint)
- Track finance and settlement dates independently using Broker Engine and/or calendar tools
- Follow up lenders, solicitors, and conveyancers
- Ensure no file remains inactive beyond three days without valid reason
- Escalate issues early and proactively
Requirements:
- At least 3 years of experience as a Credit Analyst or Parabroker (end-to-end processing required)
- Strong understanding of the 5 C’s of Credit and lender credit policy
- Experience analysing PAYG and self-employed income
- Proficiency in CRM systems and Microsoft Office
- Experience using Broker Engine (highly regarded)
- Experience with Quickli and lender servicing calculators
- Experience pulling and analysing credit files
- Knowledge of lender servicing calculators and broker portals
- Experience ordering valuations and managing settlements
- Strong attention to detail and organisational skills
- Excellent written and verbal English communication skills
- Ability to work autonomously and drive files without micromanagement
- Nice to Have:
- Prior banking experience
- Experience working with AFG
- Strong lender policy and scenario knowledge
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