Senior Credit Analyst Australian Mortgage Broking (Cebu, Remote)

5+ years Australian lending or credit experience | Full-time | Melbourne hours

Already assessing Australian mortgage files and want to work directly with the broker who submits them Platinum Package Home Loans is an Australian mortgage brokerage licensed under an Australian Credit Licence. We write residential and commercial loans for owner-occupiers, investors and self-employed clients. We are looking to add to our current Cebu-based team.

We are looking for a Senior Credit Analyst. This is a credit role, not a processing or data-entry role. You will be the last set of eyes on a file before it goes to the lender.

Who this is for

You have spent at least five years in Australian mortgage lending, credit assessment or a senior parabroker role, and you can do the following without supervision:

• Read a payslip and work out what a lender will actually accept: base, overtime, allowances, bonus, commission and shift loading, with the right shading and evidence period
• Work through self-employed financials, including tax returns, NOAs, financial statements, BAS and company and trust structures, and land on a usable income figure
• Spot the problems before the lender does: undisclosed liabilities, income that does not reconcile, missing documents, servicing shortfalls, policy exceptions
• Run and interpret serviceability across multiple lenders and explain why one lender fits and another does not
• Write a clear file note that a broker or assessor can rely on

If you can only do some of this with a broker checking your work, this role is not the right fit yet. We are not offering training into it.

What you will do

• Review and validate client income and financial documents
• Analyse complex PAYG and self-employed income
• Assess borrowing capacity and servicing across lenders
• Identify discrepancies, gaps and credit issues early and flag them clearly
• Research lender policy and recommend suitable lending options
• Prepare complete, accurate files for submission
• Work directly with the broker to structure complex scenarios: investors, multiple entities, trusts, non-standard income

Tools you will use

MyCRM, Quickli, lender portals and policy guides, Microsoft 365. Experience with these is expected. Experience with LMG platforms is a plus.

Compensation

• PHP 80,000 to 90,000 per month, negotiable depending on experience
• Paid to you directly, not through an agency
• Paid vacation leave and sick leave

Working arrangement

• Full-time, remote
• Melbourne business hours 
• Reporting directly to the Director and working alongside our existing Cebu team

How we hire

Every shortlisted applicant completes a practical credit assessment. It covers income analysis, servicing and a complex lending scenario. This is how we confirm the experience on your CV matches what you can do on a live file. There are no trick questions, but there are no shortcuts either.

How to apply

Send your CV and a short note covering:

1. The Australian broker or lender you have worked with and for how long
2. The most complex file you have assessed and what you found in it

We read every application. However. we will not respond to applicants that do not meet the five-year requirement.