Australian Mortgage Credit Analyst

Assess Complex Borrower Scenarios With Confidence and Precision

Employment type: Full-time

Shift: Day Shift, Weekends Off

Salary: Up to PHP 85,000

Work setup: Work from home

About the Role

Strong mortgage decisions depend on more than document collection-they require sound credit judgment, accurate servicing calculations, and deep understanding of Australian lending policy. As an Australian Mortgage Credit Analyst, you'll assess complex borrower structures, calculate borrowing capacity, interpret lender requirements, and prepare complete, credit-ready loan applications through ApplyOnline. Bring your Australian lending experience into a role where accuracy strengthens application quality and lending outcomes, while building a long-term career with Emapta through global exposure, continuous development, work-from-home flexibility, and professional growth.

Perks of the Role

• Day 1 HMO coverage with free dependent
• Competitive Salary Package
• Permanent WFH arrangement
• Fixed weekends off
• Day shift schedule
• Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)
• Unlimited upskilling through Emapta Academy courses (Want to know more Visit https://bit.ly/EmaptaTrainingCalendar)
• Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer!
• Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more!)
• Unlimited opportunities for employee referral incentives across the organization
• Standard government and Emapta benefits
• Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)
• Fun engagement activities for employees
• Mentorship and exposure to global leaders and teams
• Career growth opportunities
• Diverse and supportive work environment

What You'll Bring to the Table

• Minimum 5 years of experience across credit analysis, loan assessment, mortgage lending, broker support, or related financial services, including at least 1-2 years in Australian lending or credit assessment
• Hands-on experience using Australian servicing calculators to assess borrowing capacity, affordability, serviceability, and loan suitability
• Proven experience preparing, lodging, and managing Australian mortgage applications through ApplyOnline
• Strong knowledge of Australian lending policies, loan structuring, credit approval requirements, NCCP, responsible lending obligations, and mortgage compliance
• Experience assessing complex borrower structures, including PAYG, self-employed, trust, company, SMSF, and multiple income scenarios
• Proven ability to review financial documents and prepare complete, accurate, credit-ready loan applications
• Experience with Salestrekker, Mercury Nexus, ApplyOnline, FLEX, or comparable Australian mortgage platforms
• Strong analytical, problem-solving, documentation, communication, and attention-to-detail skills
• Exposure to major banks, non-bank or second-tier lenders, pricing requests, annual reviews, credit support, or post-settlement activities is highly regarded

Your Daily Impact

• Support Australian mortgage applications across the full loan lifecycle, from document collection through settlement
• Review borrower information and financial documents to prepare accurate, credit-ready submissions
• Complete credit assessments, validate supporting documentation, and confirm lender requirements and compliance
• Lodge and maintain applications through ApplyOnline, CRM systems, and lender portals
• Research suitable lending options and clarify lender policies, product criteria, and application requirements
• Coordinate with clients, lenders, solicitors, accountants, and other stakeholders to progress applications efficiently
• Track application progress, provide updates, follow up on outstanding requirements, and resolve documentation gaps
• Maintain accurate client, application, and loan records across multiple systems
• Support post-settlement activities and stay current with Australian lending policies, mortgage products, and regulatory requirements

Join the Top 1% Talent. A Better Career. A Better Life.

Welcome to Emapta Philippines, where high-performing professionals build long-term global careers with leading international companies. Recognized as one of HR Asia's Best Companies to Work For in Asia 2025 and winner of Inspiring Workplaces Australasia 2026, Emapta delivers a workplace defined by stability, growth, and purpose. Here, your career moves forward with meaningful opportunities, world-class support, and a culture built for excellence.

Apply now and be part of the #EmaptaEra.