Senior Credit Analyst (Fintech)

Location: Remote from Metro Manila, Philippines

Company

An Australian finance brokerage providing commercial, equipment, and residential lending solutions through a panel of more than 60 bank and non-bank lenders.

What you will do

• Evaluate client income, liabilities, credit profiles, borrowing capacity, and overall deal feasibility.
• Run serviceability calculations across Australian banks and non-bank lenders to identify suitable structures and products.
• Match first home buyers, PAYG, casual, and self-employed applicants with appropriate lenders, government schemes, and LMI waiver options.
• Prepare complete loan application packs and submit lodgements through ApplyOnline or Simpology.
• Manage a pipeline of 10–20 concurrent deals in MyCRM, including status tracking, compliance notes, Fact Finds, Needs Analysis, and Credit Justifications.
• Track lender conditions, gather outstanding documents, and progress applications through approval and settlement while communicating with lenders, conveyancers, agents, and clients.

Requirements

• 4–5 years of experience in Australian mortgage broking support, bank credit assessment, or lending operations.
• Hands-on experience with MyCRM is mandatory, together with ApplyOnline or Simpology.
• Strong knowledge of APRA lending guidelines, HEM benchmarks, and Responsible Lending Obligations.
• Thorough understanding of First Home Owner Grants, LMI waivers, and Australian Government Home Guarantee Schemes.
• Excellent written English and the ability to work independently in a remote environment.

Nice to have

• Experience with commercial finance, equipment loans, or self-employed financial statement analysis.
• Experience with deal automation workflows or custom dashboards in Australian broking software.
• Experience guiding first-time home buyers through the full loan application process.

Culture & Benefits

• Remote working arrangement.
• Autonomous responsibility for loan processing and deal progression.
• Exposure to a broad panel of Australian bank and non-bank lenders.