Join Us – Credit Analyst (Non-Conforming Home Loans)
Finance One is expanding its product offering with a dedicated non-conforming home loan solution, and we’re looking for an experienced Credit Analyst ready to help shape and grow this exciting new chapter.
This is more than just a credit role — it’s an opportunity to be part of building something from the ground up, backed by the strength and track record of a business that’s been lending responsibly for over 28 years.
What sets Finance One apart?
We operate our own credit fund, giving us direct access to significant working capital. This means we’re not constrained like many traditional lenders — we can lend in segments of the market that others simply can’t. It’s this flexibility and access to capital that has driven our growth across asset finance, and now, it’s what will power our expansion into the non-conforming mortgage space.
How Will You Contribute?
As a Credit Analyst, you’ll play a central role in assessing complex applications and developing credit strategies that enable us to meet the needs of underserved borrowers — responsibly and confidently. You’ll be working closely with our credit and product teams to shape a compelling offering that stands out in the market.
If you’re passionate about credit, excited by growth, and want to be part of a company that’s pushing the boundaries of what’s possible in non-bank lending, we’d love to hear from you.
Come and join the team. It’s going to be an exciting continuation of our journey — and the start of something special.
Day-to-Day Responsibilities:
- Complete credit assessments on non-conforming and near-prime mortgage files.
- Analyse income, liabilities, security and credit conduct; document rationale clearly and
- compliantly.
- Apply an approval-first mindset – identify mitigants or alternative structures that meet risk
- appetite.
- Provide constructive, actionable feedback on declined deals to brokers and internal sales teams.
- Communicate openly with brokers, BDMs and direct sales to clarify deal parameters and timelines.
- Build strong cross-functional relationships with Settlements, Credit Support and Compliance.
- Adhere to NCCP Act, Privacy Act and AML/CTF requirements.
- Escalate exceptions and potential breaches promptly.
- Achieve individual file-quality and turnaround KPIs while contributing to team targets.
- Mentor peers, share best practice and support a culture of continuous learning and innovation.
The Work Perks
From dress-up days to team lunches and staff events, we know how to have a fun time and celebrate your hard work. Plus, we are all about diversity and inclusivity, so you can be yourself and feel appreciated.
To show our gratitude, you can enjoy some of the below benefits:
- Employee investment opportunity
- Access to free and confidential counselling via our EAP
- Subsidised gym membership valued
- Discounted private health insurance
- Opportunities for training and development so you can grow within your role and throughout the company
About you:
- Minimum 2 years’ experience in mortgage credit assessment, with demonstrated non-conforming/
- near-prime exposure.
- Sound working knowledge of NCCP Act and responsible-lending principles.
- Strong analytical skills, attention to detail and flexible thinking.
- Proven ability to meet SLAs in a fast-paced, performance-focused team.
- Effective communicator able to build rapport with brokers and internal stakeholders.
- Qualifications in mortgage lending, banking, finance or accounting advantageous.
The successful candidate must be ready to undergo a National Police check and any other relevant industry checks.
We are happy to consider a flexible start date, and shortlisted applicants will be contacted as soon as possible.
