Parabroker/ Credit Analyst (End-to-End) - 082

D2B; Brisbane; Sur place; AUD 1 800 - 2 500; Plein temps

Résumé du poste

D2B in Brisbane is seeking an experienced Parabroker/Credit Analyst to manage loan files end-to-end from broker handover to settlement in Brisbane. You will drive files forward, analyze PAYG and self-employed income, assess credit and liabilities, select lenders, coordinate valuations, and ensure compliance.

This autonomous role requires strong attention to detail, proactive file management, and excellent written and verbal English communication, with the ability to work without micromanagement.

Qualifications

• 3+ years as Credit Analyst or Parabroker with end-to-end processing
• Strong understanding of the 5 C’s of Credit and lender policies
• Experience analysing PAYG and self-employed income
• Proficient in CRM systems and Microsoft Office
• Experience using Broker Engine is highly regarded
• Experience with Quickli and lender servicing calculators
• Experience pulling and analysing credit files

Responsabilités

• Drive loan files from broker handover through submission, settlement, and post-settlement
• Analyse living expenses and PAYG income including payslips
• Assess credit and liabilities; pull and review credit files
• Coordinate valuations and lender research; manage conditions
• Ensure strict compliance with policies and naming conventions
• Track timelines and escalate issues proactively

Connaissances

End-to-end processing

Credit analysis

Attention to detail

Autonomous work

Excellent communication

Lender policy knowledge

Outils

Broker Engine

CRM systems

Microsoft Office

Quickli

Lender calculators

Broker portals

Description du poste

Job Title: Parabroker/ Credit Analyst (End-to-End)

Salary: PHP 80,000 to PHP 110,000

Working Hours: Mondays to Fridays; 8:30 AM to 5:30 PM Brisbane Time

Holidays: TBD

Role Overview:

We are seeking an experienced Credit Analyst / Parabroker to manage loan files end-to-end from broker handover to settlement.

This is a fully autonomous role supporting one broker. You will drive files forward, manage timelines, analyse income (PAYG and self-employed), assess credit and liabilities, select lenders, coordinate valuations, and ensure compliance, all without micromanagement.

Strong attention to detail, critical thinking, and proactive file management are essential.

Duties and Responsibilities:

End-to-End File Management

• Drive loan files from broker handover through document collection, analysis, submission, settlement, and post-settlement
• Conduct living expense analysis
• Analyse PAYG income including payslips, salary credits, and salary sacrifice arrangements
• Analyse self-employed income (full doc assessment)
• Pull and assess credit files
• Identify liabilities from Fact Find, credit file, and bank statements
• Conduct lender research, policy checks, and product recommendations
• Complete detailed diary notes for internal records and submission

Loan Submission & Processing

• Prepare and package loan applications in Broker Engine
• Order valuations and manage through to completion
• Manage pricing requests
• Liaise with XSource regarding MIRs and loan documents
• Action returned MIRs and documents within expected timeframes
• Track and manage lender conditions

Compliance & Documentation Standards

• Ensure strict compliance with lender policies and internal procedures
• Rename and file all documents according to required naming conventions (no exceptions)
• Save documents in correct folders immediately upon receipt
• Edit all email templates and forms to ensure accuracy before sending
• Ensure specialised documents are collected for complex scenarios (e.g., separation agreements, guarantor documents, bridging requirements)
• Modify document requests to reflect actual deal circumstances (e.g., single applicant vs joint)

Settlement & Timeline Management

• Track finance and settlement dates independently using Broker Engine and/or calendar tools
• Follow up lenders, solicitors, and conveyancers
• Ensure no file remains inactive beyond three days without valid reason
• Escalate issues early and proactively

Must Haves:

• At least 3 years of experience as a Credit Analyst or Parabroker (end-to-end processing required)
• Strong understanding of the 5 C’s of Credit and lender credit policy
• Experience analysing PAYG and self-employed income
• Proficiency in CRM systems and Microsoft Office
• Experience using Broker Engine (highly regarded)
• Experience with Quickli and lender servicing calculators
• Experience pulling and analysing credit files
• Knowledge of lender servicing calculators and broker portals
• Experience ordering valuations and managing settlements
• Strong attention to detail and organisational skills
• Excellent written and verbal English communication skills
• Ability to work autonomously and drive files without micromanagement

Nice to Have:

• Prior banking experience
• Experience working with AFG
• Strong lender policy and scenario knowledge