Credit Analyst (Australian Mortgages)

Location: Remote from Manila, Philippines; Monday to Friday, 9:00 AM–5:00 PM AEST/AEDT (Melbourne time), with Australian holidays.

Salary: PHP 65,000–90,000 per month, negotiable based on experience.

Company

Australian mortgage broking business providing residential home loans, refinancing, and specialized debt structures through a panel of major and non-major lenders.

What you will do

• Own client files after the Principal Broker’s discovery interview, manage customer inquiries, and collect supplementary documentation.
• Perform end-to-end borrowing capacity and servicing analysis using Quickli and individual lender calculators, including complex self-employed, trust, and SMSF financials.
• Structure and present the top three lending solutions, arrange property valuations, and submit competitive pricing requests.
• Prepare Broker Notes and credit compliance narratives, addressing qualitative and quantitative risk factors before submission.
• Liaise with lender credit assessors, credit coaches, and BDMs to clarify policy, resolve conditions, and progress applications to unconditional approval and settlement.
• Quality-check Loan Processor entries in ApplyOnline and Mercury, conduct BID and responsible lending audits, and support repricing, refinance, and client retention activities.

Requirements

• Minimum 2–3+ years of proven experience as a Credit Analyst or Senior Loan Writer supporting an Australian residential mortgage broking operation.
• Advanced, hands-on working knowledge of Connective Mercury CRM and Quickli servicing software.
• Deep, current knowledge of Australian credit policies, NCCP regulations, and servicing methodologies across major banks, regional lenders, and non-bank specialists.
• Proven experience analyzing complex lending scenarios involving company and discretionary trusts, multi-entity self-employed structures, and SMSF lending.
• Flawless verbal and written business English, with confidence communicating directly with clients, credit assessors, and stakeholders.
• Bachelor’s degree in Finance, Accounting, Economics, or Commerce, or equivalent industry certifications such as Cert IV or Diploma in Finance and Mortgage Broking.

Nice to have

• Experience in compliance management, file auditing, or credit coaching within an Australian brokerage or aggregator network.
• Experience formalizing SOPs, process workflows, and QA checklists for scaling mortgage operations.
• Experience mentoring, peer-reviewing, or delegating administrative workflows to junior processors and support staff.

Culture & Benefits

• Fully remote independent-contractor arrangement based in Manila.
• Day-shift schedule aligned with Melbourne business hours and Australian holidays.
• Collaborative work with the Principal Broker and in-house Loan Processor.
• Autonomous ownership of multi-stage application pipelines and backbook retention campaigns.