Position: Credit Analyst

Salary: PHP 90,000 - 120,000

Working Hours & Conditions Aligned with Australian hours; full-time (remote)

Holidays: AU Holidays

ABOUT THE COMPANY:

The client is a forward-thinking financial services and mortgage brokerage firm headquartered in Newcastle, New South Wales. Operating with a mission to modernize the lending landscape, the company specializes in providing strategic debt solutions for first-home buyers, seasoned investors, and small business owners across Australia. By leveraging a network of over 60 lenders, they deliver highly personalized expertise in residential mortgages, commercial finance, and asset lending, positioning themselves as a fresh alternative to traditional banking institutions.

OVERVIEW:

You are responsible for structuring, assessing, and submitting loan applications across a wide range of residential lending scenarios. This is not a data-entry role—you are expected to think like a broker and anticipate credit outcomes before submission.

You will work across multiple lenders (including proprietary products), handling deals end-to-end from fact find through to submission and credit support.

RESPONSIBILITIES:

Analyze borrower scenarios (PAYG, self-employed, complex structures)
Structure deals across:

Refinances
Cash-out / equity release
Pre-approvals
Multi-lender / proprietary products
Basic SMSF lending (low volume)

Prepare and submit loan applications via Connective
Complete and manage MIRs (More Information Requests)
Review supporting documents for completeness and credit strength
Identify risks and propose alternative structures before submission
Liaise with lenders, BDMs, and internal stakeholders
Maintain accurate notes and pipeline in Mercury CRM

Requirements

QUALIFICATIONS:

4+ years in Australian mortgage broking / credit analysis
Strong experience with:

Complex deals (not just vanilla PAYG)
Refinance and equity release scenarios
Pre-approvals and submissions

Hands-on experience with:

Connective (non-negotiable)
Mercury CRM (strongly preferred)

Solid understanding of lender policies and servicing

WHAT THE CLIENT IS ACTUALLY LOOKING FOR:

You don't wait for instructions—you identify issues before they happen
You can structure deals, not just process them
You reduce back-and-forth with lenders by getting it right upfront

PREFERRED SKILLS (nice to have):

SMSF lending exposure
Experience with non-bank / specialist lenders

Senior Credit Analyst (AU Mortgage Experience)