Position: Senior Credit Analyst

Salary: PHP 80,000 - 105,000/mo

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

Holidays: AU Holidays

OVERVIEW:

As a Senior Credit Analyst, you will go beyond simple data entry to provide high-level technical analysis and processing support. You will manage complex files, including SMSF and self-employed structures, while maintaining proactive communication with lenders and Business Development Managers (BDMs). We are looking for a hands-on professional with the energy and attitude to thrive in a fast-moving environment without the need for foundational training.

RESPONSIBILITIES:

Credit Assessment & Senior Scenario Analysis

• Analyse client financials including payslips, income structures, and employment types.
• Accurately calculate base income, overtime, and variable earnings.
• Interpret lender policies to determine borrowing capacity and loan suitability.
• Run and compare multiple lender servicing calculators using tools like Quickli.
• Prioritise urgent and/or important tasks effectively to ensure consistent momentum in a fast-paced environment.

Lender Policy & Niche Expertise

• Develop a deep understanding of individual lender credit policies and identify optimal lender niches.
• Apply lender-specific rules for overtime, self-employed requirements, and income verification.
• Use policy knowledge strategically to structure deals for approval, not just assessment.
• Conduct pricing negotiations with lenders and order/manage property valuations.

Complex Income & SMSF Management

• Analyse self-employed clients across structures including sole traders, partnerships, companies, and complex trusts.
• Interpret tax returns, financial statements, and notices of assessment to normalize earnings.
• Lead SMSF-related checks and identify all required documentation, including trust deeds and compliance documents.

Loan Processing, CRM & Compliance

• Execute loan processing support within AFG and Broker Engine.
• Manage KYC (Know Your Customer) protocols and lender documentation requirements.
• Draft detailed compliance comments in Credit Proposals and ensure all applications meet BID standards.
• Prepare strong, well-structured loan submissions with detailed notes tailored to each lender.
• Stay well organised in managing significant workloads, ensuring clear notes and records are kept for every file.

Communication & Team Support

• Liaise with lenders, credit teams, BDMs, and clients.
• Maintain a high level of communication and flexibility when supporting differing mortgage brokers in the team.
• Maintain professional, clear, and confident spoken English.

Requirements

QUALIFICATIONS:

Essential Experience

• Minimum 5+ years’ experience as a Credit Analyst (mortgage or banking).
• Extensive experience with Australian mortgage lending is mandatory.
• Proven ability to interpret and apply complex lender policies independently.
• Demonstrated experience working within AFG and Broker Engine platforms.
• This is a senior role; candidates must be experienced and not require trainee-level supervision.

Technical Skills

• Advanced financial analysis skills and bank statement analysis to identify undisclosed debts.
• Strong understanding of income verification, self-employed assessment, and credit scoring.
• Proficiency in using Quickli and lender-specific servicing calculators.
• Familiarity with CRM automation (e.g., Go High Level) and AI tools like ChatGPT is highly regarded.

Soft Skills & Attitude

• High energy, positive attitude, and comfort in a fast-moving business environment.
• Excellent verbal and written English communication.
• High attention to detail and a proactive, solutions-focused mindset.
• Team-oriented with a "hands-on" attitude and openness to continuous improvement.

What Success Looks Like

• High-quality submissions with strong approval rates and minimal rework.
• Accurate and efficient credit assessments, even for the most complex self-employed or SMSF scenarios.
• Seamless management of file flow and effective communication between all stakeholders.
• A strong track record of compliance and meeting BID standards.