Position: Credit Analyst

Salary: PHP 95,000 - 115,000/month

Working Hours & Conditions: Aligned with Australian hours; full-time (remote)

Holidays: AU Holidays

ABOUT THE COMPANY: 

The client is a premier, client-focused mortgage brokerage headquartered in the Sutherland Shire, New South Wales, serving families and individuals across Australia. Operating as a trusted partner in the residential finance sector, the firm specializes in navigating the complexities of the mortgage market to deliver tailored lending solutions. With a core expertise in mortgage comparison, loan pre-approval, and strategic refinancing, the company leverages a robust network of over 30 lenders to ensure clients secure competitive rates and structures that align with their long-term financial goals.

OVERVIEW:

We’re looking for a strategic Credit Analyst in the Australian Mortgage space who can turn client data into clear, accurate, and decision-ready recommendations.

RESPONSIBILITIES:

• File Assessment: Review fact find and supporting documents
• Servicing: Run lender servicing scenarios across relevant lenders
• Living Expenses: Analyse actual expenses versus HEM benchmarks
• Policy Fit: Assess lender suitability based on current policy
• Structuring: Recommend optimal loan and lender combination
• Credit Summary: Produce standardised, decision-ready output for broker
• File Handover: Hand over to processor and check AOL/CRM entries before submission
• Pricing Requests: Run pricing requests as required

Requirements

QUALIFICATIONS:

• Proficient in Broker Engine — required for file review, handover and pre-submission checks
• Minimum 3 years experience in the same role for a mortgage broker — bank-side experience alone is insufficient due to limited lender breadth
• Broad lender exposure — must know policy and servicing for major, second and third-tier lenders
• Proficient in Quickli for servicing scenarios
• Ability to interpret PAYG and self-employed financials; trust and SMSF experience highly regarded
• Strong working knowledge of living expenses analysis for serviceability purposes
• Extensive AOL experience — required to act as a checkpoint on processor submissions, even though the analyst will not lodge applications directly
• Solutions-oriented — able to identify issues and recommend the appropriate lender or structure
• Attention to detail — picks up inconsistencies such as income mismatches, payslips not reconciling with YTD figures, understated living expenses, or liabilities missing from fact find versus credit report
• Able to produce clear, concise recommendations to the broker and a clean handover pack for submission
• Solid English and communication skills — will periodically liaise with bank BDMs to clarify scenarios or policy
• Complex lending experience (trust, SMSF) advantageous to support new client acquisition