Mortgage Credit Analyst – AU

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

📋 Description

• Evaluate the financial situations of borrowers, including their income, liabilities, assets, and living costs.

• Examine payslips, tax returns, financial statements, bank statements, and related documentation.

• Detect any undisclosed liabilities, ongoing expenses, and potential credit risks.

• Confirm borrower information against supporting documents and lender criteria.

• Analyze serviceability and borrowing capacity using lender calculators.

• Review loan structures and provide suitable lending options for broker assessment.

• Ensure applications comply with lender credit policies and responsible lending standards.

• Create precise loan applications within Connective Mercury.

• Input borrower and security details into CRM and lender systems.

• Assemble complete applications for broker evaluation and submission via ApplyOnline.

• Upload and systematically organize all supporting documents.

• Fulfill lender-specific application requirements and checklists.

• Request property valuations and evaluate valuation reports.

• Prepare pricing inquiries and assist with lender negotiations as necessary.

• Review identification documents and ensure adherence to lender standards.

• Verify that all required documentation is received prior to submission.

• Complete compliance paperwork based on broker notes and customer interviews.

• Keep precise client records, application notes, and document management within the CRM.

• Ensure all files comply with internal quality assurance and compliance standards.

• Track application progress from submission to approval and settlement.

• Monitor lender turnaround times and outstanding conditions.

• Communicate with lenders, brokers, solicitors, and clients to gather additional information when necessary.

• Update brokers on application status and any credit-related concerns.

• Verify loan offers for accuracy prior to settlement.

• Maintain precise CRM records and client files.

• Oversee shared inboxes and respond to lender or client inquiries.

• Assist with administrative duties to support the mortgage team.

• Prepare documentation using Adobe and Microsoft Office.

• Contribute to marketing materials using Canva as required.

⛳️ Requirements

• Prior experience as a **Credit Analyst**, Credit Assessor, or Mortgage Credit Analyst supporting an Australian mortgage broker or lender.

• In-depth knowledge of Australian residential lending policies and credit assessment principles.

• Proven experience in analyzing financial documents and evaluating borrower serviceability.

• Capability to identify lending risks and suggest appropriate loan structures.

• Experience in reviewing bank statements, payslips, tax returns, liabilities, and supporting financial documents.

• Strong understanding of responsible lending obligations and compliance requirements.

• Practical experience with **Connective Mercury** and **ApplyOnline (AOL).**

• Exceptional analytical, organizational, and problem-solving abilities.

• High degree of accuracy and attention to detail.

• Excellent written and verbal communication skills in English.

• Preferred: Experience working with multiple Australian lenders.

• Familiarity with lender credit policies and servicing calculators.

• Background in pricing requests and ordering valuations.

• Proficiency in Microsoft Excel, Google Workspace, Adobe Acrobat, and Canva.

🏝️ Benefits

• Competitive salary and performance-based incentives.

• Opportunities for professional development and career advancement.

• Supportive team environment with a focus on collaboration.

• Flexible working arrangements to promote work-life balance.

• Access to resources and tools to enhance productivity.