Credit Analyst

Hiring: Credit Analyst – Australian Private Lending
Company: The Capseed Investments Pty Ltd
Location: Remote, India
Employment Type: Contract
Experience: 3–5+ years in credit assessment
Australian Time Zone
About Capseed
Capseed is an Australian private lending and finance solutions business specialising in property-backed lending, first and second mortgages, bridging finance, working capital and structured commercial lending.
We facilitate funding solutions ranging from AUD $100,000 to $10 million across metropolitan, regional and rural Australia, working closely with private lenders, brokers and borrowers.
About the Role
We are seeking an experienced, commercially astute Credit Analyst to join our India team.
This is a hands-on role for someone who can independently evaluate complex lending scenarios, identify credit risks, structure transactions and prepare professional credit submissions for Australian private lenders.
Key Responsibilities
Assess first and second mortgage lending applications, bridging loans and property-backed commercial facilities.
Analyse borrower financial statements, cash flows, asset and liability positions, credit history and repayment capacity.
Review property valuations, security positions, existing mortgages and loan-to-value ratios (LVR).
Prepare detailed credit assessment reports, scenario submissions and lender recommendations.
Structure lending proposals, including loan amounts, capitalised interest, fees, net proceeds and exit strategies.
Identify credit risks, security deficiencies and documentation gaps.
Coordinate with brokers, valuers, legal teams and private lenders.
Support transactions from initial assessment through credit approval and settlement.
Maintain accurate records and monitor credit exposures.
Qualifications and Experience
Minimum 3–5 years of relevant credit assessment experience.
Experience in banks, NBFCs, mortgage lending, commercial lending or private credit.
Strong understanding of secured lending, property valuations, LVR, financial analysis and loan structuring.
Advanced Excel skills and ability to prepare detailed financial models.
Excellent written English and ability to prepare clear, professional credit submissions.
Strong analytical judgment, attention to detail and commercial problem-solving skills.
Bachelor's degree in finance, Accounting, Commerce, Economics or a related discipline.
Experience with Australian mortgage lending or Australian financial services will be highly regarded.
What We're Looking For
We are particularly interested in candidates who can take ownership of a credit file from initial review through to lender submission, challenge assumptions, identify risks early and recommend commercially practical lending structures.
This is not an entry-level credit processing or data-entry position. We are looking for an experienced professional who can contribute from the outset.
Why Join Capseed?
Exposure to Australian private credit and specialist mortgage lending.
Opportunity to work on varied, complex property-backed transactions.
Direct collaboration with senior management and lending partners.
A fast-paced environment with meaningful responsibility and opportunities for professional growth.
Apply now with your updated CV, highlighting your experience in credit assessment, secured lending and financial analysis.
All applications along with a Cover Letter should be emailed to admin@capseed.com.au

Work arrangement
Yes