AU Mortgage Credit Analyst – Complex Income Expert

D2B; Philippines; Remote; PHP 837,000 - 1,339,000; Full time

Job summary

D2B in the Philippines is seeking a Credit Analyst to manage technical assessment, credit structuring, and compliance packaging of residential loan applications. You will work with senior leadership to ensure every file is vetted, compliant, and submission-ready.

The role covers income assessments for PAYG and self-employed structures, use of Quickli and lender calculators, preparing complete packages with lender notes, and maintaining accurate records in the broker CRM and lender portals.

Qualifications

• Experience: Minimum 3+ years of experience in Australian mortgage credit analysis.
• Technical Proficiency: Hands-on experience with Quickli, lender calculators, ApplyOnline, and Australian broker CRMs.
• Credit Analysis Skills: Strong expertise in residential lending policies, responsible lending standards, and complex self-employed income verification.
• Compliance Expertise: Deep understanding of Australian regulatory compliance requirements and broker file management standards.
• Communication & Detail: Excellent written English skills for drafting clear submission notes, paired with exceptional attention to detail.

Responsibilities

• Credit & Income Assessment: Complete comprehensive income assessments across PAYG and complex self-employed structures, including companies, trusts, and sole traders.
• Servicing & Lender Selection: Calculate borrowing capacity using Quickli and lender-specific calculators; research lender policy to identify suitable options based on policy alignment and servicing.
• Deal Packaging & Submission Notes: Prepare complete, high-quality application packages, including detailed lender submission notes, file commentary, and pricing requests.
• Compliance & Quality Assurance: Proactively audit documentation, living expenses, and liabilities to address missing information, inconsistencies, or compliance gaps prior to final broker sign-off.
• Valuations & Pipeline Maintenance: Order and review property valuations where required; update and maintain accurate records within the broker CRM and relevant lender portals.
• Comparative Analysis: Prepare detailed lender comparison reports and supporting rationale to substantiate proposed lending strategies.

Skills

Australian mortgage credit analysis

Tools

Quickli

Lender calculators

ApplyOnline

Australian broker CRMs

Job description

D2B in the Philippines is seeking a Credit Analyst to manage technical assessment, credit structuring, and compliance packaging of residential loan applications. You will work with senior leadership to ensure every file is vetted, compliant, and submission-ready.

The role covers income assessments for PAYG and self-employed structures, use of Quickli and lender calculators, preparing complete packages with lender notes, and maintaining accurate records in the broker CRM and lender portals.