Credit Analyst

Actively Reviewing the Applications

Firstsource

India, Karnataka, Bengaluru Full-Time On-site

Posted 5 hours ago • Apply by June 13, 2026

Job Description

Location: Bangalore

Grade: G

Designation: Credit Analyst

Process: LMG

Number of Positions: 05

Minimum Criteria

H1 and G grade employees can apply. It will be a lateral movement for G Grade Employees & vertical movement for H1 Grade Employees.
Applicants should have completed a minimum tenure of 18 months in the organization and 12 months in their current role as on 01st December 2025.
Performance rating of CME or above in the last 6 months.
No documented disciplinary issues/PIP in the last 6 months.

Role & Responsibilities

Closely workshop with brokers to package the deal ensuring that every submission is structured optimally and aligns with the lender policies and client's needs.
Prepare comprehensive credit submissions for a variety of lending scenarios, including but not limited to refinances, purchases, multiple-securities, multiple applicants, SMSF and bridging finance.
Liaise with clients to gather necessary documentation and clarify financial details.
NCCP Compliance checks and transcribing notes from summaries to detailed responses.
Understand and interpret complex financials (Self-employed, SMSF, trusts and company)
Complete lender servicing calculators and living expense analysis to assess clients borrowing capacities
Researching lenders who have a specific policy to suit the clients' requirements and provide expert guidance on said policies to ensure compliance and optimal loan structuring.
Order Valuations based on the information provided by the client, understanding the different types of valuations and communicating with valuation firms to discuss or escalate.
Pricing requests across multiple lenders, for new applications and settled loans.
Generating comprehensive credit reports and being able to interpret them.
Assist in mitigating MIRs, Conditional Approvals, and Settlement Conditions.
Cross checking approval and settlement document to ensure the details match the clients' requirements, per the submission.
Stay updated on industry trends, lending products, and regulatory changes.

Educational/Professional Qualifications

Bachelor’s Degree in a relevant course.
Certificate IV Financing & Mortgage Broking
More than 4 years of experience in an Australian mortgage broking industry specializing in AU loan processing.
Previous experience in data entry of client information to MyCRM (LMG CRM system)
Previous experience in data entry of a loan application into MyCRM and Apply Online (AOL), Simpology, or direct to the lender.
Previous experience in generating application paperwork, including those for the First Home Buyers and Discharge forms.
Experience in using aggregators CRM such as MyCRM, Infynity, Mercury Nexus, Flex or Sales trekker.
Experience using Project/Task Management Tools (Monday.com, Trello, Airtable etc).
Experience with an LMG brokerage working with multiple brokers in a fast-paced business and MyCRM software is preferred.

Required Skills

Has a strong understanding of complex loan structures and loan types (multiple applicants, multiple securities, SMSF, company and trust lending, etc)
Has a strong understanding of various income streams and is confident in income calculations for PAYG, SMSF, company and trust financials.
Is proficient in using IT software, Google Workspace and/or Microsoft Office, including Gmail or Outlook.

Person Specification, Competencies And Attitudes

Exceptional customer service skills and a friendly, professional demeanor.
Willing to take necessary actions and decisions to meet objectives and deadlines.
Has the ability to solve problems and work proactively.
Ability to work autonomously with minimal supervision.
Exhibits strong attention to detail when reviewing important documents, identifying errors, ensuring compliance, and maintaining high accuracy through meticulous validation.
Must be well-organized and capable of managing and resolving conflicting priorities.

Benefits

3-Months training induction program onsite
Ability to work from home, onsite or hybrid
Monthly Reward and Recognition
Possibility to complete Certificate IV in Finance and Mortgage Broking (if not already completed) pending eligibility requirements
Regular professional and social events
Access to Brokerversity for self-driven learning and development

Selection Procedure

HR Screening
Personal Interview

Application Process & Timelines

Last date to apply on the posting is 08th December 2025

PS: Strictly no extension allowed on Timelines

The selected candidates must be released with immediate effect from the date of the Announcement of the results.