Credit Analyst - Australian Mortgage

About the job

Company ProfileFirstsource Solutions Limited, an RP-Sanjiv Goenka Group company is a global leader providing business process solutions and services spanning the customer lifecycle across Healthcare, Banking and Financial Services, Communications, Media and Technology, Retail, and other diverse industries. With a global footprint across US, UK, India, Philippines, Mexico, Romania, Turkey, Trinidad & Tobago, South Africa, and Australia, they make it happen for their clients, solving their biggest challenges with hyper-focused, domain-centered teams and cutting-edge tech, data, and analytics. Firstsources inch-wide, mile-deep practitioners work collaboratively, leveraging UnBPO - their differentiated approach to reimagining traditional outsourcing - to deliver real-world, future-focused solutions that drive speed, scale, and smarter decision, turning transformation into tangible results for clients. Job location : BangalorePosition : Sr. BSO (Credit Analyst)Division : Australian Mortgage - Broker ServiceExperience : Min 2 years in Australian Broker Service Position Summary:The purpose of a Broker Service Officer (BSO) is to assist Australian mortgage brokers with administrative tasks to prepare, process and track loan applications. The role requires you to communicate with relative stakeholders, prepare documentation, keep systems and CRMs updated, and follow a loan application from pre-submission to post approval within required timeframes. This role also requires you to contribute to making the overall customer experience a smooth and streamlined process, working closely with the client and broker to research lenders, products and policies to suit the clients requirements.Key Responsibilities:

• Closely workshop with brokers to package the deal ensuring that every submission is structured optimally and aligns with the lender policies and clients 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 requirementsand 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.