Senior Credit Analyst

About First Federal

First Federal is an expanding non-bank lending institution focused on providing Australia's Easiest Home Loan™. By blending innovative lending methods, advanced technology, and a customer-centric approach, we empower Australians to reach their property and business ambitions confidently. Our experienced team supports brokers and clients with a broad array of lending options—from simple refinancing and residential loans to more complex commercial and specialist finance offerings. We aim to simplify, speed up, and clarify the lending journey, delivering expert guidance and outstanding service at every phase.

We are dedicated to breaking down financial barriers and fostering improved outcomes through adaptable, customer-focused lending. We keep brokers, customers, and partners up-to-date with the latest market insights, product enhancements, and industry knowledge.

Role Overview

The Senior Credit Analyst is pivotal in providing quick, consistent, and commercially sound lending assessments across First Federal’s home loan portfolio. Collaborating closely with brokers and internal teams, the role involves evaluating mortgage applications, analysing financial data, validating supporting documents, and ensuring compliance with credit policies, regulations, and risk frameworks.

Your evaluation will cover serviceability, collateral, borrower strength, and overall lending risk, with a strong emphasis on positive customer and broker experiences. The role demands strong credit judgement, meticulous attention to detail, and the capacity to identify practical solutions for complex loan applications.

As part of a fast-growing non-bank lender, you will also participate in initiatives that improve credit procedures and support the delivery of Australia’s Easiest Home Loan™.

Qualifications and Skills

• Proven experience in credit assessment or lending, with expertise in financial analysis, verifying income sources, and calculating loan serviceability.
• Familiarity with home loan and commercial lending products, credit policies, and regulatory requirements in the Australian financial services sector.
• Competence with loan origination platforms, customer relationship management tools, and standard office applications, ensuring data accuracy.
• Excellent verbal and written communication skills, capable of articulating credit decisions clearly to both internal teams and external partners.
• Strong judgment, risk sensitivity, and problem-solving skills focused on fair, consistent, and customer-focused outcomes.
• Ability to manage multiple mortgage applications and meet deadlines efficiently, with robust organisational and time management abilities.
• Team-oriented work approach with readiness to contribute to collective goals in an office-based environment located in North Sydney, NSW.
• Relevant qualifications in finance, commerce, accounting, banking, or similar disciplines; industry certifications or prior experience with non-bank lenders will be considered advantageous.