Senior Mortgage Credit Analyst

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

📋 Description

• Assume full responsibility for residential loan files, starting from the receipt of client documentation through to comprehensive evaluation, lender selection, submission, formal approval, and settlement.

• Assess income, expenses, liabilities, and supporting documents for any missing information, inconsistencies, and credit concerns.

• Perform serviceability calculations utilizing Quickli and specific lender calculators, confirming complex income sources and liability frameworks.

• Develop suggested loan structures that align with client goals, assumptions, and policy considerations.

• Investigate lender policies and assess options based on client needs, servicing capacity, pricing, fees, and product characteristics.

• Request property valuations and pricing; communicate with lender BDMs and credit teams regarding policy qualifications.

• Present well-reasoned lender shortlists and structural proposals to the Principal Broker.

• Draft BID supporting notes, lender comparison justifications, credit proposal documents, and submission summaries.

• Keep client records and file notes updated in Connective Mercury; create compliant applications in Apply Online (AOL).

• Secure broker approval for lenders, structures, and documentation prior to formal submission.

• Monitor applications through conditional approval, formal approval, and settlement stages.

• Collaborate with lenders, clients, and conveyancers to resolve conditions and meet settlement requirements.

• Provide operational updates to clients and maintain current Mercury tasks and milestones.

• Independently manage file progression, report any blockers and deadlines, and uphold operational checklists and repeatable processes.

⛳️ Requirements

• At least 4+ years of practical experience in supporting Australian residential mortgage broking, showcasing responsibility from initial assessment to settlement.

• Essential expertise in Connective Mercury and Apply Online (AOL).

• Proven experience in detailed serviceability assessment, policy research, and loan structuring beyond standard application administration.

• Direct involvement in drafting BID supporting justifications, credit proposals, and lender submission notes for broker review.

• Strong skills in document verification, including PAYG income assessment and evaluations of straightforward self-employed scenarios.

• Outstanding written and verbal English communication skills, with the ability to interact professionally with clients, lenders, and BDMs.

• Familiarity with Quickli serviceability software and a range of Australian lender-specific calculators is preferred.

• Experience in a referral-based broking environment handling a consistent monthly flow of 8–10 files/month is preferred.

• A proactive self-starter attitude that takes initiative on next steps independently and escalates blockers promptly with suggested solutions.

• Keen attention to detail to identify document discrepancies, policy edge cases, and calculation errors before submission.

• Clear understanding of decision-making boundaries, knowing when to act independently and when to seek sign-off from the Principal Broker.

• Excellent organizational abilities to manage multiple files simultaneously while ensuring clean CRM records and timely communication with clients.

🏝️ Benefits

• Competitive salary package with performance incentives.

• Opportunities for professional development and career advancement.

• Supportive team environment with a focus on collaboration.

• Flexible working arrangements to promote work-life balance.