Credit Analyst

Credit Analyst – Australian Mortgage Broking

Full-Time | Philippines | Australian Business Hours | Work From Home

Are you an experienced Australian mortgage professional looking to take the next step in your career?

We are seeking an experienced Credit Analyst based in the Philippines to work as part of an Australian mortgage broking support team.

This is not an entry-level loan processing position .

We are looking for someone with strong Australian mortgage broking experience who can confidently assess lending scenarios, complete serviceability calculations, interpret lender policy and assist brokers in structuring high-quality loan applications.

The successful candidate will have hands-on experience with MyCRM and a strong understanding of the Australian residential lending market.

The Role

As a Credit Analyst, you will work closely with Australian mortgage brokers and take ownership of the credit assessment and preparation process whilst training the offshore support team members.

Your responsibilities will include:

Review and assess residential lending scenarios

Complete detailed preliminary credit assessments

Analyse client income, assets, liabilities, living expenses and overall financial position

Complete and interpret serviceability and borrowing capacity calculations

Use lender-specific serviceability calculators

Research and interpret Australian lender credit policies

Identify suitable lender options based on client circumstances

Identify potential servicing or policy issues before submission

Assist brokers with structuring lending solutions

Prepare high-quality loan applications for submission

Review supporting documentation and identify outstanding requirements

Prepare comprehensive application and credit notes

Maintain accurate client and application information within MyCRM

Manage application workflows, tasks and milestones within MyCRM

Manage lender conditions and requests for additional information

Monitor applications through approval and settlement

Conduct quality assurance checks before submission

Maintain high standards of documentation, compliance and data accuracy

Proactively identify issues and recommend solutions to the broker

Mandatory Requirements

To be considered for this position, you must have previous Australian mortgage lending experience .

Candidates must have:

3+ years of Australian mortgage broking, credit assessment or senior loan processing experience

Hands-on MyCRM experience

Strong knowledge of the Australian residential mortgage market

Experience completing serviceability calculations

Experience using Australian lender serviceability calculators

Strong understanding of lender credit policies and lending criteria

Experience assessing PAYG and self-employed income

Experience reviewing assets, liabilities, living expenses and credit commitments

Experience preparing Australian residential mortgage applications

Experience working with Australian lenders and lender portals

Ability to independently assess a lending scenario and identify potential issues

Excellent written and spoken English

High attention to detail

Strong analytical and problem-solving ability

Ability to manage multiple applications and competing priorities

Highly Desirable

The following experience will be highly regarded:

Certificate IV in Finance and Mortgage Broking

Experience working directly with Australian mortgage brokers

Previous Credit Analyst or Parabroker experience

Self-employed borrowers, Company and trust structures, Investment lending, Refinancing and debt consolidation, Construction lending, Multiple-property investors

Experience with major banks, second-tier lenders and non-bank lenders

ApplyOnline

Equifax and Australian credit reporting

MyCRM experience