Credit Analyst (Australian Mortgage) - 197

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