Credit Analyst

This is a fully remote position, open to applicants in Philippines.

📋 Description

• Take primary responsibility for client files following the Principal Broker’s discovery interview and handle client inquiries along with the collection of additional documents.

• Perform complete end-to-end calculations of borrowing capacity utilizing Quickli and lender servicing calculators.

• Evaluate intricate income structures and compare them against lender policies.

• Develop and present the top three customized lending solutions for broker approval.

• Request upfront property valuations and carry out competitive pricing inquiries.

• Compose detailed Broker Notes and credit compliance narratives.

• Collaborate with lender credit assessors, credit coaches, and Business Development Managers (BDMs) to resolve conditions, clarify policies, and expedite MIRs towards formal unconditional approval.

• Supervise and verify the Loan Processor’s entries into ApplyOnline and Mercury CRM.

• Navigate files through unconditional approval, loan document signing, and settlement processes.

• Perform pre-submission audits in accordance with BID and responsible lending standards.

• Refine, document, and uphold internal compliance protocols and file checklists.

• Review existing portfolios, execute repricing requests, identify refinancing opportunities, and assist in client retention efforts.

⛳️ Requirements

• A minimum of 2–3+ years of demonstrated experience as a Credit Analyst or Senior Loan Writer supporting an Australian residential mortgage broking operation.

• Advanced, hands-on understanding of Connective Mercury CRM and Quickli servicing software.

• Comprehensive, current knowledge of Australian credit policies, NCCP regulations, and servicing methodologies across major banks, regional lenders, and non-bank specialists.

• Proven experience in analyzing complex lending scenarios, including company and discretionary trusts, multi-entity self-employed structures, and SMSF lending.

• Exceptional verbal and written communication skills in business English.

• Bachelor’s degree in Finance, Accounting, Economics, Commerce, or equivalent industry certifications (e.g., Cert IV or Diploma in Finance and Mortgage Broking).

• Preferred: experience in compliance management, file auditing, or credit coaching within an Australian brokerage or aggregator network.

• Preferred: background in formalizing Standard Operating Procedures (SOPs), process workflows, and quality assurance checklists.

• Preferred: experience in mentoring, peer-reviewing, or delegating administrative tasks.

🏝️ Benefits

• Monday to Friday, 9:00 AM–5:00 PM AEST/AEDT, Melbourne Time.

• Observance of Australian holidays.