Senior Credit Analyst

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

📋 Description

• Evaluate client financial information, including payslips, income structures, and various employment types.

• Precisely calculate base income, overtime, and variable earnings.

• Analyze lender policies to assess borrowing capacity and determine loan eligibility.

• Utilize multiple lender servicing calculators for comparison, employing tools such as Quickli.

• Effectively prioritize urgent and important tasks to maintain consistent progress in a dynamic environment.

• Gain comprehensive knowledge of individual lender credit policies to identify optimal lending niches.

• Implement lender-specific criteria for overtime, self-employed requirements, and income verification.

• Leverage policy expertise to strategically structure deals for approval rather than mere assessment.

• Engage in pricing negotiations with lenders and manage property valuation orders.

• Assess self-employed clients across various structures, including sole traders, partnerships, companies, and complex trusts.

• Analyze tax returns, financial statements, and notices of assessment to normalize earnings.

• Conduct SMSF-related checks and identify all necessary documentation, including trust deeds and compliance materials.

• Provide loan processing assistance within AFG and Broker Engine.

• Oversee KYC (Know Your Customer) protocols and lender documentation requirements.

• Compose detailed compliance comments in Credit Proposals, ensuring all applications align with BID standards.

• Prepare robust, well-organized loan submissions with comprehensive notes tailored for each lender.

• Maintain organization while managing substantial workloads, ensuring clear documentation for each file.

• Communicate effectively with lenders, credit teams, BDMs, and clients.

• Uphold a high standard of communication and adaptability while supporting diverse mortgage brokers within the team.

• Exhibit professionalism, clarity, and confidence in spoken English.

⛳️ Requirements

• A minimum of 5+ years of experience as a Credit Analyst (in mortgage or banking).

• Extensive experience in Australian mortgage lending is essential.

• Proven capability to interpret and apply intricate lender policies autonomously.

• Demonstrated experience working with AFG and Broker Engine platforms.

• This is a senior position; candidates must possess experience and not require trainee-level supervision.

• Advanced financial analysis skills and expertise in bank statement analysis to uncover undisclosed debts.

• Strong comprehension of income verification, self-employed assessments, and credit scoring.

• Proficiency in utilizing Quickli and lender-specific servicing calculators.

• Familiarity with CRM automation tools (e.g., Go High Level) and AI tools like ChatGPT is highly valued.

• High energy levels, a positive demeanor, and comfort in a fast-paced business setting.

• Excellent verbal and written communication skills in English.

• Strong attention to detail and a proactive, solutions-oriented mindset.

• Team-oriented with a hands-on approach and willingness to embrace continuous improvement.

🏝️ Benefits

• Competitive salary and performance-based incentives.

• Opportunities for professional development and career advancement.

• Flexible working arrangements to support work-life balance.

• Access to the latest tools and technology to enhance productivity.

• Collaborative and supportive work environment.