Parabroker/Senior Credit Analyst

Looking for Philippines-based candidates

Job Role: Parabroker/Senior Credit Analyst

Engagement type: Independent Contractor Agreement

Compensation: $2,000-2,200 AUD/month - potential to earn monthly incentives post a probationary period

Work Schedule: This role is expected to align with the AU business hours (approx. 9 AM - 5 PM, Monday to Friday) for collaboration, but as a contractor, you'll have flexibility in how you manage your time.

Who We Are: At Hunt St, we help Australian companies hire top remote talent in the Philippines. For this role, you will be engaged directly by the client as an independent contractor. We are not an outsourcing agency. All of our roles are 100% remote so you'll be able to work from home.

Who The Client Is: A specialist finance brokerage dedicated to helping everyday Australians access home, personal and commercial lending solutions with clarity and care. From first-home buyers to small business owners, our team takes time to understand your vision and sources the right loan products to suit your goals.

Role Overview: The Senior Credit Analyst is a specialised offshore position responsible for delivering high-level credit analysis, financial assessment, servicing accuracy and lending policy interpretation. Working directly with the Principal Broker, the Senior Credit Analyst manages all technical components of loan assessment across PAYG, contractor, self- employed, trust, company and SMSF borrower profiles. This role ensures loan submissions are credit-strong, compliant, lender-ready, accurate and aligned with borrower goals.

Key Responsibilities: 

• Advanced Income & Financial Analysis
  
  • Analyse PAYG income (base, overtime, allowances, bonuses, commissions)
  
  • Assess contractor income and policy treatment
  
  • Analyse self-employed income across companies, trusts, and sole traders
  
  • Review tax returns, BAS, P&L, balance sheets, and financial statements
  
  • Identify add-backs, adjustments, and financial risks
  
  • Assess rental income, negative gearing, and SMSF income
• Credit Policy Interpretation
  
  • Apply lending policy across major banks and non-banks
  
  • Interpret LMI requirements and credit scoring
  
  • Identify policy gaps and risks
  
  • Recommend lender options based on scenario and policy alignment
• Servicing & Borrowing Capacity
  
  • Run serviceability using Quickli and lender calculators
  
  • Validate buffers, shading, sensitised rates, and HEM
  
  • Identify servicing risks early
  
  • Prepare servicing summaries for the broker
• Submission Preparation
  
  • Prepare lender-ready submissions via LMG Podium and ApplyOnline
  
  • Write credit notes, scenario summaries, and mitigants
  
  • Ensure consistency across CRM, ApplyOnline, and lender documentation
  
  • Follow all lender checklists and document requirements
• Risk, Compliance & Quality Control
  
  • Ensure NCCP, BID, and AML/CTF compliance
  
  • Conduct pre-lodgement checks
  
  • Validate documentation accuracy
  
  • Identify and escalate structural risks
• Lender Liaison & Escalation
  
  • Respond to MIRs
  
  • Liaise with BDMs for policy, pricing, and exceptions
  
  • Provide scenario updates to the Principal Broker

Required Skills and Qualifications:

• 3+ years Australian mortgage credit experience. 
• Experience supporting mortgage brokers (preferred). 
• Strong background with self-employed income & complex borrowers. 
• Experience handling major & non-bank lenders. 
• Proven ability managing MIRs, escalations & exception cases.
• Strong knowledge of Australian residential lending, including lender policies, credit assessments, and document verification.
• Familiar with LMG MyCRM, ApplyOnline, and other loan lodgement platforms (Simpology or lender direct portals).
• Proficient in Microsoft Office, Quickli, AirTable, OneDrive, and Outlook for workflow and communication management.
• Solid understanding of compliance standards including NCCP, BID, AML/CTF, and privacy requirements.
• Excellent attention to detail and ability to manage multiple loan files with accuracy and efficiency.
• Strong written and verbal English skills, confident in liaising with clients, brokers, and lender BDMs.
• Proven ability to prioritize tasks, meet deadlines, and maintain service-level standards in a fast-paced environment.

Tools to use

• LMG Podium & MyCRM
• ApplyOnline (Simpology)
• Quickli
• Excel (intermediate–advanced).
• Airtable.
• OneDrive / SharePoint.

Work Arrangement & Expectations:

This is a remote role that will be set up as an independent contractor engagement.

To ensure alignment and transparency, successful candidates will be expected to:

• Disclose any existing ongoing roles or client work
• Reflect this engagement on their LinkedIn profile (clearly marked as "Independent Contractor"