Trainee Credit Analyst

About the Role

The Trainee Credit Analyst position offers a structured entry into the Australian mortgage and credit industry. During the six-month Career Launch Phase, candidates will receive practical training, professional mentorship, and exposure to Australian residential mortgage applications. This is an opportunity to develop specialised financial analysis and credit assessment skills while working with industry-specific tools, lender policies, and real-world lending scenarios. The role is designed for candidates who want to build a core finance career rather than pursue routine administrative work.

Key Responsibilities

• Analyse residential mortgage applications for the Australian market.
• Assess borrower income, expenses, liabilities, assets, and overall financial position.
• Evaluate borrower eligibility against lender-specific credit policies and lending guidelines.
• Understand loan structures, loan-to-value ratios (LVR), servicing calculations, and credit risk.
• Review financial documents, bank statements, payslips, tax returns, and supporting evidence.
• Identify discrepancies, potential risks, and missing documentation in loan applications.
• Assist in preparing accurate and compliant loan applications for submission to lenders.
• Learn Australian mortgage industry practices, compliance requirements, and lending processes.
• Use industry-specific CRMs, lender portals, and financial assessment tools.
• Collaborate with experienced credit analysts and team leaders to improve analytical accuracy and decision-making.

Eligibility Criteria

Candidates from the following educational backgrounds are encouraged to apply:

• CA / CFA — pursuing or completed
• M.Com
• MBA (Finance)
• BBA (Finance)
• Other equivalent qualifications with a strong interest in credit analysis and lending

Freshers and final-year students are welcome to apply.

Skills and Competencies

• Strong analytical and numerical abilities.
• Basic understanding of accounting and financial concepts.
• Good written and verbal English communication skills.
• Working knowledge of MS Excel and other MS Office applications.
• Attention to detail and accuracy in reviewing financial information.
• Willingness to learn Australian lending policies and mortgage processes.
• Professional discipline, problem-solving ability, and a growth-oriented mindset.

Training and Career Progression

Phase 1: Career Launch — First 6 Months

• Monthly stipend of ₹10,000.
• Structured training in Australian mortgage credit analysis.
• Practical learning through case studies and supervised work.
• Mentorship from experienced professionals.
• Performance-based evaluation for confirmation.

Phase 2: Credit Analyst — Post Confirmation

• CTC of up to ₹5 LPA, based on performance and assessment.
• Opportunity to work on Australian residential mortgage applications.
• Continued professional development and performance-linked growth.

Phase 3: Long-Term Career Growth

High-performing professionals can progress into roles such as:

• Credit Analyst
• Senior Credit Analyst
• Parabroker
• Team Leader
• Credit and Lending Leadership

Employment Commitment

This position includes a 2-year employment bond.

About the Company

Skillpal Outsourcing Pvt. Ltd. provides specialised credit analysis and mortgage processing services to the Australian lending industry. We help mortgage brokers streamline their operations through skilled professionals, industry expertise, and technology-driven processes. We are looking for motivated and analytical individuals who want to build a long-term career in finance, credit analysis, and lending.