Senior Credit Analyst

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

📋 Description

• Oversee comprehensive credit assessments for a varied client portfolio.

• Execute intricate servicing calculations for PAYG, self-employed, and mixed-income clients.

• Independently design loan structures that align with client strategies, tax implications, and lender policies.

• Evaluate complex lending scenarios involving discretionary trusts, unit trusts, corporate trustees, SMSF lending, LRBA structures, multiple entities, guarantors, securities, investment strategies, portfolio strategies, and debt recycling.

• Utilize Mercury to evaluate servicing and policy compatibility.

• Perform comparisons of lender policies and suggest optimal credit solutions.

• Prepare and review lender-ready submissions for precision, compliance, and strategic alignment.

• Advise Brokers on lender selection and structuring considerations.

• Identify and mitigate credit risks prior to submission.

• Manage intricate conditions, credit escalations, and lender inquiries.

• Ensure applications comply with NCCP, internal quality standards, and regulatory requirements.

• Maintain credit notes, servicing worksheets, and documentation files.

• Keep accurate records across CRM, Asana, and internal systems.

• Review task statuses, timelines, and handovers related to credit workflows.

• Prepare lending summaries and technical credit reports as necessary.

• Contribute to the development of credit assessment frameworks, SOPs, and templates.

• Identify and apply efficiency enhancements within credit workflows.

• Offer technical guidance and informal mentorship to junior credit team members.

• Collaborate with Mortgage Brokers, Advisers, and Client Onboarding teams.

• Support complex client scenarios needing multidisciplinary input.

• Ensure loan files are compliant and ready for audits.

• Participate in projects aimed at enhancing client experience and lending efficiency.

⛳️ Requirements

• Candidate must be based in the Philippines.

• Significant Australian mortgage credit experience at a senior level.

• Strong proficiency in servicing, loan structuring, and policy interpretation.

• Demonstrated experience managing complex lending scenarios, including Trusts, SMSF, and self-employed clients.

• High-level analytical and problem-solving skills.

• Exceptional attention to detail and accuracy.

• Strong time management and prioritization abilities.

• Clear, confident, and professional communication skills.

• Ability to work independently in a remote setting.

• Client-centric approach with a strong emphasis on compliance.

• Proactive leadership mentality and dedication to continuous improvement.

• Experience in supporting or mentoring junior credit staff is beneficial.

• Must have a Windows desktop or laptop (Windows 7 or above) or Mac (OS 10.8 or above).

• Must possess a working webcam and headset with microphone.

• Stable wired internet connection is required.

• A backup internet connection (pocket WiFi or mobile broadband) is necessary.

• A quiet and professional home working environment is essential.

• Successful candidates must disclose any ongoing roles or client work.

• Successful candidates must represent this engagement on their LinkedIn profile as “Independent Contractor.”

• Ability to align with Australian business hours, approximately 9 AM–5 PM, Monday to Friday.

🏝️ Benefits

• 100% remote work from home.

• Flexibility in managing your time as an independent contractor.

• Opportunities for career advancement.

• Long-term role.

• Backup internet connection equipment may include pocket WiFi or mobile broadband.