Credit Analyst – Australian Mortgage Brokerage

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

📋 Description

• Assess client income, liabilities, credit profiles, and borrowing capacity to determine deal viability and identify potential risks.

• Conduct serviceability calculations across various major Australian banks and non-bank lenders.

• Connect clients with suitable lenders, government programs, and LMI waiver alternatives.

• Create comprehensive, submission-ready loan application packages and manage lodgements via ApplyOnline or Simpology.

• Oversee a pipeline of 10–20 simultaneous deals in MyCRM, ensuring accurate record-keeping, status monitoring, and compliance documentation.

• Monitor lender requirements, collect necessary documentation, and advance applications through to full approval and settlement stages.

• Write professional credit narratives.

• Liaise with lenders, conveyancers, real estate agents, and clients to address inquiries and move files forward.

• Operate independently to enhance deal processing speed while upholding quality standards across the residential portfolio.

⛳️ Requirements

• 4–5 years of relevant experience in Australian mortgage broking support, bank credit assessment, or lending operations.

• Demonstrated hands-on experience with MyCRM (a mandatory requirement).

• Familiarity with lodgement systems such as ApplyOnline or Simpology.

• Strong understanding of APRA lending guidelines, Household Expenditure Measure (HEM) benchmarks, and Responsible Lending Obligations.

• Comprehensive knowledge of First Home Owner Grants, LMI waivers, and Australian Government Home Guarantee Schemes.

• Exceptional written English skills.

• Proven ability to produce clear and coherent credit notes.

• Capability to work independently in a remote setting.

• Previous experience in commercial finance, equipment loans, or analyzing financial statements for self-employed individuals is preferred but not mandatory.

• Experience in managing deal automation workflows or custom dashboards within Australian broking software systems is preferred but not mandatory.

• Experience in directly mentoring or guiding first-time home buyers through the complete loan application process is preferred but not mandatory.

🏝️ Benefits

• Competitive salary and performance-based incentives.

• Opportunities for professional development and career advancement.

• Flexible working arrangements and remote work options.

• Supportive work environment with a focus on team collaboration.