Snr Credit Analyst / Para Broker

Location: Remote from Metro Manila, Philippines; working hours aligned with AU Hours and Australian public holidays.

Salary: Up to 110,000 PHP per month.

Company

Australian mortgage and finance brokerage based in Morisset, New South Wales, supporting clients across Lake Macquarie, the Central Coast, and Australia-wide.

What you will do

• Review client financial information and assess borrowing capacity, affordability, liabilities, expenses, assets, and lending metrics.
• Complete servicing calculations and scenario modelling for residential, investment, refinance, construction, commercial, asset finance, and SMSF lending where required.
• Research lender policies, compare lending options, identify credit or policy issues, and recommend suitable loan structures.
• Prepare mortgage applications and supporting documentation, ensuring files are complete and compliant before submission.
• Manage applications in Connective Mercury, including records, workflows, notes, tasks, documentation, and application stages.
• Communicate with brokers, clients, lenders, and BDMs to resolve questions, obtain missing information, and progress applications through approval and settlement.

Requirements

• Significant experience as a Senior Credit Analyst, Para-Broker, Mortgage Loan Processor, Credit Assessor, or similar.
• Previous experience supporting Australian mortgage brokers or lenders, with strong knowledge of Australian residential mortgage lending.
• Advanced Microsoft Excel skills for calculations, analysis, and loan scenario modelling.
• Experience interpreting lender credit policies, assessing complex financial information, and preparing mortgage applications.
• Excellent written and verbal English, strong numerical accuracy, organisation, and ability to manage multiple active applications independently.
• Availability to work AU Hours and observe Australian public holidays.

Nice to have

• Hands-on experience with Connective Mercury or Mercury Nexus.
• Australian mortgage broking or relevant finance qualifications.
• Experience with construction, investment, refinance lending, self-employed borrowers, complex income structures, and multiple Australian lenders.
• Previous direct interaction with lender BDMs and credit teams.

Culture & Benefits

• Remote work arrangement from Metro Manila.
• Opportunity to provide high-level technical and analytical support to mortgage brokers.
• Work across a broad panel of Australian lenders and varied lending scenarios.
• Focus on accurate application preparation, early issue identification, and reducing processing delays.