Senior Credit Analyst – Team Lead, AU Mortgage, Mercury Nexus Experience

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

📋 Description

• Collaborate internally with mortgage brokers and the VA team, as well as externally with lenders, bank portals, and compliance entities as needed.

• Conduct comprehensive preliminary credit evaluations.

• Execute Quickli servicing calculations.

• Analyze Equifax credit reports.

• Authenticate client documentation.

• Compute intricate borrowing capacities, including non-standard and self-employed income situations.

• Identify and resolve complex lending scenarios, such as construction progress payments and unconventional income structures.

• Anticipate lender requirements proactively to prevent issues.

• Ensure applications comply with Australian credit licensing standards, lender credit guidelines, LVR limits, and privacy regulations.

• Review and verify AOL data submitted by the VA to ensure quality before submission.

• Uphold zero-error standards across major bank and non-bank lender platforms.

• Source necessary lender forms, troubleshoot submission issues, and manage rework to maintain turnaround times.

• Keep accurate deal tracking, file notes, and automate workflows within Connective Mercury.

• Maintain an organized pipeline that is current and progressing; promptly flag risks or obstacles to the broker.

• Oversee, train, and direct the daily workflow of offshore VAs.

• Enhance the VA's capabilities and foster proactive problem-solving skills.

• Establish clear expectations, regularly review work quality, and escalate issues as necessary.

⛳️ Requirements

• A minimum of 5 years of experience in the Australian mortgage broking sector, focused on credit assessment, loan processing, or senior broker support.

• At least 1 year of direct management experience, with a sincere commitment to mentoring and developing team members.

• Strong technical expertise in credit depth, non-standard income verification, credit score threshold analysis, LVR limits, and lender policy interpretation.

• Advanced proficiency in Connective Mercury, Quickli, AOL, bank serviceability calculators, and lender portals.

• Outstanding written communication abilities and meticulous attention to detail.

• Capacity to perform quickly and accurately in a high-volume, fast-paced setting.

• Alignment with values of an inclusive, open-minded workplace culture and a diverse client base.

• Proficiency in Connective Mercury CRM.

• Expertise in Quickli serviceability and borrowing capacity modeling.

• Advanced, hands-on proficiency in ApplyOnline (AOL).

• Familiarity with individual bank serviceability calculators and lender platforms.

• Preferred: experience with Broker Engine, CoreLogic, or Salesforce.

• Preferred: background managing or mentoring offshore or remote VA teams.

• Preferred: experience handling high-volume broker pipelines across multiple lenders concurrently.

🏝️ Benefits

• Competitive salary and performance-based bonuses.

• Opportunities for professional development and career advancement.

• Supportive and inclusive work environment.

• Flexible working arrangements.