Senior Credit Analyst (AU Mortgage Experience)

Position : Senior Credit Analyst

Salary : PHP 90,000 - 120,000

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

Holidays : AU Holidays

ABOUT THE COMPANY :

The client is a forward-thinking financial services and mortgage brokerage firm headquartered in Newcastle, New South Wales. Operating with a mission to modernize the lending landscape, the company specializes in providing strategic debt solutions for first-home buyers, seasoned investors, and small business owners across Australia. By leveraging a network of over 60 lenders, they deliver highly personalized expertise in residential mortgages, commercial finance, and asset lending, positioning themselves as a fresh alternative to traditional banking institutions.

OVERVIEW :

You are responsible for structuring, assessing, and submitting loan applications across a wide range of residential lending scenarios. This is not a data-entry role—you are expected to think like a broker and anticipate credit outcomes before submission.

You will work across multiple lenders (including proprietary products), handling deals end-to-end from fact find through to submission and credit support.

RESPONSIBILITIES :
- Analyze borrower scenarios (PAYG, self-employed, complex structures)
- Structure deals across:
- Refinances
- Cash-out / equity release
- Pre-approvals
- Multi-lender / proprietary products
- Basic SMSF lending (low volume)

- Prepare and submit loan applications via Connective
- Complete and manage MIRs (More Information Requests)
- Review supporting documents for completeness and credit strength
- Identify risks and propose alternative structures before submission
- Liaise with lenders, BDMs, and internal stakeholders
- Maintain accurate notes and pipeline in Mercury CRM

Requirements

QUALIFICATIONS :
- 4+ years in Australian mortgage broking / credit analysis
- Strong experience with:
- Complex deals (not just vanilla PAYG)
- Refinance and equity release scenarios
- Pre-approvals and submissions

- Hands-on experience with:
- Connective (non-negotiable)
- Mercury CRM (strongly preferred)

- Solid understanding of lender policies and servicing

WHAT THE CLIENT IS ACTUALLY LOOKING FOR :
- You don’t wait for instructions—you identify issues before they happen
- You can structure deals, not just process them
- You reduce back-and-forth with lenders by getting it right upfront

PREFERRED SKILLS (nice to have) :
- SMSF lending exposure
- Experience with non-bank / specialist lenders