Credit & Client Strategy Consultant – Australian Lending

Credit & Client Strategy Consultant – Australian Lending
Company: Urban Money Oceania – Australia
Location: India – Offshore / Outsourced Operations
Employment Type: Full-Time
Function: Credit Strategy | Lending Operations | Client Engagement | Sales Conversion
Market: Australian Residential, Investment, SMSF & Commercial Lending
Reporting To: Head of Business / Senior Mortgage Broking Team
About the Role
Urban Money Oceania is looking for a commercially driven Credit & Client Strategy Consultant to support its Australian lending operations. This role combines credit analysis, borrowing-capacity assessment, deal structuring, customer engagement and sales conversion.
The position will act as an important link between lead generation and mortgage broking by assessing customer financial positions, identifying lending opportunities and preparing qualified opportunities for mortgage brokers.
Key Responsibilities
Conduct preliminary borrowing-capacity and credit assessments covering income, liabilities, expenses, dependents, property portfolio, equity, deposits, LVR and lender servicing requirements.
Analyze customer financial positions and identify suitable lending structures, refinancing, debt consolidation, equity release and investment opportunities.
Develop working knowledge of Australian lender credit policies, servicing methodologies, income assessment and lending criteria.
Prepare clear transaction summaries and qualified opportunities for mortgage brokers for further assessment.
Review customer cash flow, existing lending and property portfolios to identify potential refinancing and lending opportunities.
Engage directly with customers and confidently conduct portfolio-review and follow-up conversations.
Re-engage previously assessed customers who did not transact and identify genuine future lending opportunities.
Qualify opportunities and coordinate handover to authorized mortgage brokers for detailed lending advice.
Maintain accurate CRM records, customer pipelines and follow-up schedules.
Contribute to revenue generation through successful customer engagement and lending conversions.
Ideal Candidate
Experience as a Credit Analyst, Mortgage Credit Analyst, Para-Broker, Loan Processor, Credit Assessor, Lending Specialist, Mortgage Operations Consultant or Banking/Lending Relationship Manager.
Strong understanding of Australian mortgage/lending processes and borrowing-capacity calculations.
Experience with Australian residential lending is highly desirable.
Strong analytical and financial assessment skills with an understanding of LVR, servicing, refinancing, equity, debt consolidation and lender policies.
Excellent verbal communication skills and confidence in speaking with Australian customers and professional referral partners.
Commercial mindset with the ability to identify and qualify genuine business opportunities.
Strong CRM, pipeline management, follow-up and stakeholder-management skills.
Exposure to commercial lending, SMSF lending or business finance will be an advantage.
What We Offer
Opportunity to work closely with the Australian mortgage and financial-services market.
Exposure across credit, lending strategy, customer engagement, property finance and sales.
Performance incentive of AUD $300 per qualifying successful sales conversion, in addition to fixed remuneration, subject to the applicable incentive policy.
Growth opportunities across Credit, Lending Strategy, Broker Support, Customer Portfolio Management, Sales and Lending Operations.

Work arrangement
No