Credit Analyst

Bridgit

Credit Analyst assessing mortgage applications for a fintech lender. Collaborating with internal teams and brokers to ensure timely credit decisions and compliance with lending standards.

Posted 7/13/2026full-timeMelbourne • 🇦🇺 AustraliaMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in credit risk assessment and residential underwriting, with a strong focus on compliance with responsible lending guidelines and industry regulations. Proven ability to analyze financial documents and communicate effectively with stakeholders to ensure timely and accurate credit decisions.

Highest-signal resume keywords

Credit Risk AssessmentResidential UnderwritingFinancial Statement AnalysisResponsible Lending GuidelinesProblem-Solving Skills

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Credit Risk AssessmentResidential UnderwritingFinancial Statement AnalysisSelf-Employed Income VerificationLiving Expense Assessments

Soft Skills

Analytical SkillsAttention to DetailWritten CommunicationVerbal Communication

Industry Keywords

Mortgage Credit AnalysisBankingNon-Bank LendingSpecialist LendingRegulatory Requirements

About the role

Key responsibilities & impact

Assess residential mortgage applications from submission through to settlement, ensuring timely and accurate decisions.
Analyse financial documents, valuations, and other supporting materials to identify risks and determine suitability.
Apply sound judgment to both conforming and non-conforming applications, balancing customer experience with risk management.
Work closely with brokers, aggregators, and internal teams to manage queries, resolve issues, and keep deals on track.
Deliver outstanding service and communication to ensure a smooth experience for all parties involved.
Ensure all credit decisions align with internal policies, regulatory requirements, and responsible lending obligations.
Maintain accurate records and audit-ready documentation that upholds Bridgit’s commitment to high-quality credit standards.

Requirements

What you’ll need

3+ years of experience in credit risk assessment, residential underwriting, or mortgage credit analysis within banking, non-bank, or specialist lending environments.
In-depth understanding of residential credit policy, financial statement analysis, self-employed income verification, and living expense assessments.
Comprehensive knowledge of responsible lending guidelines and industry regulations.
Excellent problem-solving, analytical, and risk-assessment skills with high attention to detail.
Strong written and verbal communication skills to explain credit decisions clearly and collaborate effectively with stakeholders

Benefits

Comp & perks

Extra Leave – We offer birthday leave + an additional day of paid leave to be used for life events, celebrations, or just a mental health reset.
Two Weeks from Anywhere – We encourage employees to work remotely from a location of their choice for two weeks each year.
Learning and Development – All employees are encouraged and empowered to engage in professional development, including a number of learning initiatives run internally.
Social Events – We have a jam-packed social scene, with events throughout the year to bring the team together!