{"id":712752,"url":"https://alion.io/job/alaya-credit-analyst-ca","title":"Credit Analyst (CA)","company":{"id":695490,"name":"Alaya","domain":"alaya.co","url":"https://alion.io/company/alaya-3","size_band":"51-200","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Breezy","truth_index":null},"role":"Finance","role_family":"Finance","seniority":"junior","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Lalitpur, Nepal"],"countries":["NP"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":11500,"max_usd":31000,"period":"year","method":"global_role_cell_scaled_by_country","sample_n":3830},"experience_years_min":2,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Google Drive","optional":false},{"name":"ISO 27001","optional":false}],"status":"live","first_seen_at":"2026-09-08T09:05:51Z","employer_posted_date":"2026-09-08","last_verified_at":"2026-11-09T04:24:20Z","board_verified":true,"closed_at":null,"days_open":61,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":61},"description":"About Us:\nAt Alaya, we pride ourselves on our guiding values of Care, Passion, and Oneness. We take pride in offering tailored solutions to our clients, helping them achieve their financial goals with confidence. As a member of our team, you will have the opportunity to collaborate with like-minded individuals, celebrate your unique talents, and build meaningful professional connections.\nOur dedication to employee well-being and success has earned us numerous awards, including the 2023 HRD Asia 5-Star Employers of Choice Award, the 2021 Liberty Australian Brokerage of the Year Award and the Best Community Engagement Program 2024.\nAbout The Role:\nAs a Credit Analyst, you will play a critical role in supporting mortgage brokers through the assessment and submission lifecycle for the Australian home loan market. This role requires strong attention to detail, a sound understanding of lender policies, and the ability to complete accurate, compliant, and timely loan assessments.\nYou will be responsible for reviewing client files, assessing scenarios, preparing preliminary assessments and application forms, checking lender requirements, and identifying missing documents before submission. You will also work closely with brokers, Loan Processing Specialists, lenders, and internal stakeholders to ensure smooth file progression from assessment through to post-submission and post-settlement support.\nThis role is ideal for someone who enjoys solving complex scenarios, working with detailed information, learning lender policies, and contributing to the quality and accuracy of mortgage brokerage services.\nAbout You:\nYou thrive in a fast-paced environment where accuracy, compliance, and strong attention to detail are valued.\nYou take responsibility for outcomes, not just tasks, and understand that even small documentation or data errors can lead to serious compliance risks.\nYou are proactive in finding solutions, asking the right questions, and contacting lenders or internal stakeholders to clarify requirements when needed.\nYou have a strong desire to learn and develop professionally, especially in credit assessment, lender policies, loan structures, and the Australian home loan market.\nYou communicate clearly and professionally with brokers, Loan Processing Specialists, and team members to ensure smooth coordination and timely file progression.\nYou are organised, dependable, and able to manage multiple priorities while maintaining quality and accuracy in your work.\nYou collaborate well with others, support team success, and are open to sharing knowledge when required.\nIf you prefer routine tasks with limited learning or are not comfortable taking ownership of accuracy and compliance, this role may not be the right fit.\nMajor Deliverables:\nAssess client files once completed forms and required documents are received.\nContact lenders to determine client eligibility and identify suitable loan structures.\nPrepare preliminary assessments and application forms before submission.\nReview lender checklists, identify missing documents, and complete required loan checklists.\nIdentify and address compliance issues and inform brokers accordingly.\nSupport brokers in maintaining existing client portfolios and ensuring timely post-settlement service.\nFollow approved processes for documentation, data security, client confidentiality, and ISO 27001:2022 requirements.\nSupport team development through knowledge sharing and guidance to new team members when required.\nComplete ad hoc tasks, projects, and related duties as assigned.\nRequirements\nApply if you have:\nMaster’s degree running or completed in Finance, Business, Management, or a related field, ACCA candidates with no more than 3 papers remaining, or semi-qualified CA candidates.\nAt least 2 years of experience in the finance sector.\nTop-notch written and verbal communication skills.\nStrong attention to detail, especially when reviewing loan files, documents, lender checklists, and compliance requirements.\nProblem-solving ability and a solution-focused mindset.\nGeneral numerical and financial calculation skills.\nStrong planning and organisational skills.\nAbility to prioritise tasks and handle multiple projects simultaneously.\nAbility to work in a fast-paced environment with accuracy and consistency.\nA strong desire to learn and develop professionally, as there will be a significant learning curve.\nProficiency in Google Apps, including Google Drive, Docs, and Sheets.\nStrong work ethics, accountability, and dependability.\nCareer Progression\nThe Credit Analyst role provides a strong pathway for professional growth within credit assessment, mortgage broking, and leadership functions.\nWith strong performance, continued learning, and demonstrated ownership, team members may progress towards roles such as:\nSenior Credit Analyst\nMortgage Broker\nCredit Team Leader or Manager\nBenefits\nWhy should you join us?\nAt Alaya, we love the work we do and the colleagues we work with. We offer great growth and career advancement opportunities for our employees. While we operate in a fast-paced environment, we also value a supportive culture where people can learn, grow, and contribute meaningfully.\nIn this role, you will gain exposure to the Australian mortgage industry, develop strong technical knowledge in credit assessment, and play an important part in supporting brokers and clients through accurate and compliant loan assessments.\nAnd yes, we work only 5 days a week!\nWhat we offer:\nBesides the list of benefits that the Labour Law mandates, we also offer:\nSalary + Social Security Fund (SSF)\n5-day work week, Monday to Friday\nExclusive paid leaves\nConducive and fun working environment\nFestival, profit, and book reading bonus\nTeam building activities and social events\nAccidental and medical insurance coverage\nInternational working environment exposure\nContinuous learning and development opportunities\nPlus, take advantage of our Customer Referral program to earn rewards by recommending our services to friends and relatives in Australia.\nOur office is open, so if you're selected, we'd be happy to work with you in person!\nDisclaimer:\nBy submitting your job application, you consent to the retention and processing of your personal data in our recruitment database for recruitment purposes. You also acknowledge and consent that your application may be reviewed and processed with the support of AI tools, and that certain stages of the recruitment process may include recorded transcriptions that may be processed through AI to support fair, accurate, and efficient recruitment decisions. Your data will be stored securely and will only be accessible to authorised personnel.\nReady to Apply?\nIf you’re looking for a role where your attention to detail, problem-solving ability, and willingness to learn can make a real impact, we’d love to hear from you.\nJoin us and be part of a team that values growth, collaboration, accuracy, and excellence.","description_format":"text","description_chars":6957,"description_truncated":false,"requirements":{"experience_years_min":2,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"master","optional":false},"security_clearance":false,"languages":[]},"benefits":["Continuous learning","Health insurance","Insurance coverage"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Cybersecurity","Information Security","Security Compliance"],"lifecycle":[{"event":"open","at":"2026-09-11T05:11:56Z"}],"visa":[],"liveness":{"score":13,"band":"cold","label":"Long shot","p_open":1,"p_active":0.465,"p_room":0.28,"age_days":60,"expected_fill_days":29,"reasons":["conf:3","win:tail","crowd:junior"],"computed_at":"2026-11-08T05:47:12Z"},"pay":null,"html_url":"https://alion.io/job/alaya-credit-analyst-ca","json_url":"https://alion.io/job/alaya-credit-analyst-ca.json","meta":{"generated_at":"2026-11-09T05:51:13Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":1386,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-10T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.1,"usd":0.01,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":695490},"rest":"https://alion.io/mcp/rest/get_company?id=695490"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Falaya-credit-analyst-ca"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":2,"usd":0.2},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Falaya-credit-analyst-ca"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.1,"usd":0.01},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Falaya-credit-analyst-ca"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/alaya-credit-analyst-ca\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Falaya-credit-analyst-ca"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":712752}},{"tool":"search_jobs","arguments":{"company":"alaya.co","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":712752},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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