Vinod Kaniti
Credit Analyst | Senior Mortgage Broker Assistant
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About
Results-driven Mortgage Broker Assistant and Credit Analyst with 6+ years in Australian mortgage broking, trained directly by brokers with 10+ years' experience.
Manages the full loan journey: lead and document follow-up, verification, data entry and lodgement in Infynity, Connective, Mercury and Apply Online, one-touch submission, formal approval, settlement and post-settlement client care. Trusted by lender BDMs and broker support teams for accurate, well-packaged files, and ready to bring that standard and team leadership to a new remote team.
Experience
Senior Mortgage Broker Assistant | Mortgage Credit Analyst | Operations Team Lead - HEYMITTY Pty Ltd & Compare Financials Pty Ltd - Australia (managed both ABNs concurrently)
(2019-09)
Joined to support CRM, IT and business systems, then moved into Australian mortgage operations under experienced brokers. Now works as an extension of the broker, supporting a team of 3–4 brokers with 10+ years' experience each and managing the lending lifecycle from lead generation to post-settlement support.
- Credit assessment and structuring
- Run serviceability assessments with lender calculators and analyse lender credit policy to find suitable lending solutions
- Assess PAYG, self-employed, trust and company income, and verify income, liabilities, expenses and supporting documents
- Handle complex scenarios, including self-employed, trust, company and non-standard applications, as a senior escalation point
- Prepare and package credit submissions with lender notes, broker comments and supporting documentation
- Prepare pricing requests and negotiate lender discounts
- Follow up and verify client documents against lender requirements, enter application data in Infynity, Connective, Mercury and Apply Online, and upload all documents
- Build one-touch files and submit applications, then work with lender BDMs and broker support to secure formal approval quickly
- Manage conditional approvals, outstanding lender requirements and valuations
- Coordinate settlements with clients, lenders, solicitors and conveyancers, including booking settlement dates and exchanging documents
- Run initial fact-find discussions and lead follow-up, keep clients updated, and maintain post-settlement relationships that drive referrals and repeat lending
- Review files before lodgement for quality and compliance
- Lead and support processing and administrative teams: allocate workload, monitor progress, and train new members on lender policies and processes
- Coordinate with brokers, BDMs, lenders, aggregators and compliance teams, and assist with lender accreditations and aggregator compliance
- Key achievements
- Supported hundreds of Australian residential mortgage applications across major banks and non-bank lenders
- Recognised by lender BDMs, credit assessors and bank assessment teams for accurate, well-packaged "one-touch" submissions that cut assessor queries and turnaround times
- Earned client testimonials, referrals and Google reviews for service quality
- Improved operational workflows, file quality standards and team productivity
Chief Technology Officer | Head of IT & Digital Operations - Likha Business Solutions Pvt Ltd
(2018 - 2019)
Led software, web and marketing teams, managed CRM systems and business process automation, and built operational processes to improve efficiency.
Front-End Developer | Digital Marketing Consultant - Freelance
(2016 - 2018)
Delivered website development, SEO, social media marketing and branding for multiple clients.
Education
Bachelor of Technology - Mechanical Engineering - PPDCET (2014)
