Credit Analyst, Senior Parabroker

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

📋 Description

• Evaluate and analyze PAYG income, encompassing base salary, overtime, commissions, allowances, and casual income, to ascertain assessable income in accordance with lender policies.

• Examine self-employed financial documents, including tax returns, financial statements, BAS, and NOAs, and accurately compute assessable income.

• Assess clients’ financial situations and desired outcomes.

• Investigate relevant lender policies and recommend appropriate lenders based on eligibility, serviceability, and available lending options.

• Evaluate client scenarios, identify potential challenges, and develop recommendations for appropriate loan structures.

• Prepare compliance documentation, including the GamePlan, preliminary assessments, and supporting notes.

• Complete necessary information in MyCRM and prepare applications through ApplyOnline for submission when required.

• Manage and respond to lender requests for additional information.

• Collaborate with the hiring manager and Team Leader on complex files, calculations, research, and lending scenarios.

• Keep file updates in MyCRM and Trello to ensure visibility and support pipeline tracking.

⛳️ Requirements

• Candidates must be based in the Philippines.

• Demonstrated experience as a Credit Analyst, Parabroker, or in a comparable credit assessment role within the Australian residential mortgage market.

• Strong capability to assess PAYG income and analyze financial documents for self-employed applicants, including accurately calculating assessable income.

• Solid understanding of major Australian lenders and their credit policies.

• Ability to research lender requirements and identify suitable options for various client scenarios.

• Strong analytical thinking and comprehension abilities.

• Proficient in assessing complex scenarios and providing sound recommendations.

• Exceptional attention to detail and a commitment to delivering accurate, well-presented work.

• Excellent written and verbal English communication skills.

• Proficient in Microsoft Excel, Word, and Adobe Acrobat.

• Proactive and collaborative, capable of taking ownership of intricate assessments, contributing to team discussions, and continuously enhancing credit expertise.

• Experience with MyCRM (Loan Market Group) or another aggregator CRM is preferred (nice-to-have).

• Familiarity with ApplyOnline and Trello is preferred (nice-to-have).

• Experience in evaluating a variety of Australian residential lending scenarios, including complex PAYG and self-employed applications is preferred (nice-to-have).

• Disclosure of any existing ongoing roles or client work is required.

• This engagement should be reflected on their LinkedIn profile, clearly marked as “Independent Contractor.”

🏝️ Benefits

• Fully remote work from home.

• Flexible time management as an independent contractor.

• Hands-on training provided.

• Ongoing development opportunities.

• Prospects for team growth.