This module introduces learners to the core responsibilities, mindset, and impact of the credit analyst role within the mortgage broking environment. It establishes a clear distinction between what credit analysts do, how they support both clients and brokers, and why this role is essential in achieving sound lending outcomes and efficient workflows.
- Teacher: Marnelle Villarin
This course equips learners with the essential skills to assess borrower risk within the Australian mortgage lending context. It explores how credit analysts identify red flags, interpret borrower documentation, and apply lender policies to determine loan suitability. Through practical scenarios and policy-based analysis, learners develop the judgment needed to mitigate risks and structure responsible, supportable deals.
- Teacher: Marnelle Villarin
This course builds a strong foundation in residential lending products, credit policy, and loan structuring. Learners will gain the skills to assess product suitability, interpret lender guidelines, and identify red flags that may affect approval. Through real-world case studies, the course trains analysts to structure applications that align with both borrower needs and lender appetite.
- Teacher: Marnelle Villarin
This course trains credit analysts to accurately verify income sources and assess supporting documentation across a range of employment types. Learners will develop the skills to identify inconsistencies, apply lender policy to complex income streams, and validate financial documents such as payslips, tax returns, and bank statements. The focus is on building confidence in document interpretation to ensure reliable, policy-aligned serviceability assessments.
- Teacher: Marnelle Villarin
This course focuses on how to structure loan applications to meet lender requirements while supporting the borrower’s goals. Learners will build skills in selecting suitable products, recommending alternatives, and writing clear, policy-aligned credit notes. Emphasis is placed on presenting strong credit narratives that highlight strengths, address risks, and improve the likelihood of approval.
- Teacher: Marnelle Villarin
This course prepares credit analysts to navigate high-risk, policy-challenging lending scenarios with confidence and sound judgment. Learners will develop advanced analytical thinking skills, assess multi-layered borrower profiles, and manage policy exceptions. The course builds the ability to identify viable solutions, escalate appropriately, and support credit decisions with clear, defensible reasoning.
- Teacher: Marnelle Villarin
This module provides a comprehensive, step-by-step framework for how a credit analyst approaches a loan file — from initial document receipt through to submission and handover. It defines what “best practice” looks like at each stage of the credit assessment workflow and illustrates the mindset shift from task-based processing to analytical evaluation and decision support.
By following this process, analysts learn to produce compliant, well-structured, and lender-ready files that minimise rework, manage risk, and improve approval outcomes.
- Teacher: Marnelle Villarin
