Credit Analyst
Content + Source + Freshness • 14 Feb 2026 • 95% confidence
Offer value
Moderate value due to specialized skills required, their relevance to the evolving finance sector, and the dynamic work environment.
- Dynamic role in innovative lending company.
- Collaborative environment with a focus on quality.
- Contributes significantly to customer journey.
Pros
- Contribution to innovative solutions in the finance industry.
- Collaborative environment focused on teamwork.
- Opportunity to manage and streamline the credit assessment process.
Cons
- Role can be intense due to high volume of applications.
- Requires significant experience in credit assessment.
- Pressure to meet targets in a fast-paced setting.
Who it's for
Mid-level • In-office/Hybrid
Good fit
- Experienced credit assessors.
- Professionals passionate about customer service.
- Candidates eager to work in financial innovation.
Not recommended for
- Newcomers without experience in credit assessment.
- Individuals seeking low-pressure roles.
- Those preferring fully remote opportunities.
Motivation fit
Key skills
About the job
Meet Athena, the Home Loan Wrecker
Athena Home Loans burst into the industry in 2019 to shake things up and change home loans for good.
We're reimagining home loans and showing Australia there's a lender on their side. Home loans are all we do. We continue to rewrite the rules of home lending, creating tools, products and policy that put the power back in our customers' hands. Athena has been recognised amongst multiple consumer lending and industry awards including Canstar Outstanding Value and Innovation Excellence awards, RateCity and Mozo awards, and Fintech Lender of the year and made AFR Boss best places to work list.
We're looking for an experience Credit Assessor to join our Team.
Who are we looking for?
- You have a minimum of 2 years Residential credit assessment experience in assessing PAYG and self-employed applications
- You currently hold a Delegated Lending Authority
- You have experience assessing complex loans, e.g. bridging loans, commercial, trust and company loans, reading and understanding company and trust financials (not a deal breaker but you have a great attitude and willing to learn)
- You have confidence talking with customers and brokers to deliver decision outcomes
- You have the ability to work within policy and make recommendations for improvement
- You have experience managing a pipeline of assessment applications
- You have experience working in a fast paced environment
- You are driven and self-motivated to exceed targets and strive for excellence
The Role
- Deliver an end-to-end service for consumers, from the assessment of the original application to fulfilment stage.
- Communicating with customers and brokers to workshop applications where required and provide application decision outcomes.
- Assess consumer residential home loan applications within the credit risk appetite as set out by Athena and decision applications within your delegated lending authority (DLA);
- Assessment of self-employed applications and applications to non-individual entities.
- Manage a pipeline of applications taking the customer and broker on a seamless journey, working hand in hand with our Customer Services team, from Application through to Unconditional Approval;
- Ensure all risk and compliance standards are maintained;
- Support your colleagues and contribute to the performance of your Team;
- Act as a leader in the company. Bring positivity, energy and flexibility to help create a great start-up culture;
- Liaise with Clients in a professional manner and provide regular updates on the progress of their application from submission .
- Be able to work autonomously and demonstrate attention to detail, including having strong data entry skills with a high accuracy rate.
- Have the ability to work effectively in a high-pressure environment whilst also adding to the Athena culture – a fun, energised, dynamic start up environment.
Benefits & Perks
- Inclusive, Flexible and casual working environment
- Hybrid working with HQ Anchor Days in award winning office space
- Wellbeing program to support your physical, mental, social and financial health
- Perks program with access to discounts to every day expenses
- Fantastic team culture with monthly events
You'll be joining an experienced team, passionate about being best in class in everything we do. We have a relaxed and fun atmosphere where you can bring your unique self and skills to help us all grow as a team. Be great, be you, play nice.
At Athena we are committed to a workplace that embraces diversity, equality, and inclusion. Athenians are free to let their own brand of freak fly.
