Lending Analyst Heartland Bank Australia is growing, and we are on the lookout for two permanent Lending Analysts to join our Reverse Mortgages team based in Melbourne, Australia. This is a great opportunity for an experienced lending or credit professional who is customer‑focused, detail‑oriented and passionate about doing the right thing. About the Role As a Lending Analyst, you will credit assess and manage a pipeline of reverse mortgage applications from application through to approval and loan documentation. Depending on the team, your role may be more customer‑facing or non‑customer‑facing, with responsibilities tailored accordingly. You will play a critical role in ensuring strong customer outcomes while maintaining compliance with regulatory and internal requirements. Key Responsibilities Manage and assess reverse mortgage applications from valuation to approval Load applications accurately into the core lending system, including due diligence and valuations Conduct compliance calls with borrowers to confirm loan structure, purpose and suitability Review assessments and provide sign‑off Approve lending requests within delegated lending authority (with escalation where required) Generate and manage loan and variation documentation through to execution Liaise with internal teams, brokers, partners and customers Ensure compliance with NCCP, Privacy Act, and internal policies Deliver outstanding customer service while achieving activity and compliance targets Experience & Qualifications 3 years’ experience in banking, lending, credit, compliance, loan administration or a related field Tertiary qualification in Business, Finance, Banking, Law or similar (preferred) Strong knowledge of mortgage, security and credit principles Experience in lending or credit and a strong customer‑first mindset. Skills & Attributes Excellent communication and stakeholder engagement skills Strong attention to detail and administration capability Effective time management and ability to meet deadlines Confident handling complex or sensitive customer conversations Analytical, proactive and solutions‑focused Able to work independently while contributing positively to a team Demonstrates integrity and courage in doing the right thing A bit about us and what we do At Heartland Bank Australia, we focus on providing Australians with specialist banking products that are the best or only of their kind. We do this digitally so our customers can spend more time on the things that matter most - instead of waiting in a queue to speak with someone at a bank. We're well-established in Australia and have been serving Australians since 1971. We're the leading provider of reverse mortgages and of specialist livestock finance. We're part of the Heartland group of companies which has more than 145 years of experience in financial services. Heartland is listed on the New Zealand and Australian stock exchanges (NZX/ASX: HGH) Can you see yourself here? Our values define who we are. We're innovative and always evolving. We work together as one team and have big ambition. We offer real opportunities for learning and career development. You can also get involved in driving change through our internal groups, including our rainbow committee, Growing Families, wellbeing and sustainability groups. Our perks include flexible working, regular team social activities and events, flu vaccinations and more. Diversity & inclusion At Heartland, we're proud to celebrate the many characteristics that make us different. We're committed to improving the inclusiveness of our workplace, enabling our people to be authentic and helping us better understand and respond to our customers. We're an equal opportunity employer and we strongly encourage everyone to apply. Let us know if you need support throughout the application or interview process including a sign language interpreter or speech-to-text reporter. Feel free to share your pronouns in your application. Keen to learn more? To learn more about Heartland, check out our website heartlandbank.com.au or follow us on LinkedIn linkedin.com/company/heartland-bank-Australia Please note you must be eligible to work in Australia.
