Credit Analyst

Elevated Solutions Group; Makati; Remote; PHP 1,339,000 - 2,009,000; Full time

Benefits offered by this job

Work From Home

Australian business hours

Job summary

Elevated Solutions Group is seeking an experienced Credit Analyst based in the Philippines to support Australian mortgage brokers. The role focuses on credit assessment, serviceability calculations and loan structuring, with hands-on MyCRM usage and offshore training responsibilities.

This is not an entry-level position. You will work within Australian business hours from home, handling complex residential lending scenarios and ensuring high-quality loan applications for submission.

Qualifications

• 3+ years of Australian mortgage broking, credit assessment or senior loan processing experience.
• Hands-on MyCRM experience.
• Strong knowledge of the Australian residential mortgage market.
• Experience completing serviceability calculations.
• Experience using Australian lender serviceability calculators.
• Strong understanding of lender credit policies & lending criteria.
• Experience assessing PAYG & self-employed income.
• Experience reviewing assets, liabilities, living expenses & credit commitments.
• Experience preparing Australian residential mortgage applications.
• Experience working with Australian lenders & lender portals.
• Ability to independently assess a lending scenario & identify issues.
• Excellent written & spoken English, high attention to detail, strong analytical ability.

Responsibilities

• Review & assess residential lending scenarios.
• Complete detailed preliminary credit assessments.
• Analyse client income, assets, liabilities & living expenses.
• Complete & interpret serviceability and borrowing capacity calculations.
• Use lender-specific serviceability calculators.
• Research & interpret Australian lender credit policies.
• Identify suitable lender options based on client circumstances.
• Assist brokers with structuring lending solutions.
• Prepare high-quality loan applications for submission.
• Review supporting documentation & identify outstanding requirements.
• Maintain accurate client & application information in MyCRM.
• Manage application workflows, tasks & milestones in MyCRM.
• Monitor applications through approval & settlement.

Skills

Australian mortgage broking

Credit assessment

Serviceability calculations

Income assessment (PAYG & self‑employ)

Lender policy interpretation

Loan structuring

Australian residential lending market

Attention to detail

Analytical & problem solving

English communication

Education

Certificate IV in Finance and Mortgage Broking

Tools

MyCRM

Job description

Credit Analyst – Australian Mortgage Broking

Full-Time | Philippines | Australian Business Hours | Work From Home

Are you an experienced Australian mortgage professional looking to take the next step in your career?

We are seeking an experienced Credit Analyst based in the Philippines to work as part of an Australian mortgage broking support team.

This is not an entry-level loan processing position.

We are looking for someone with strong Australian mortgage broking experience who can confidently assess lending scenarios, complete serviceability calculations, interpret lender policy and assist brokers in structuring high-quality loan applications.

The successful candidate will have hands-on experience with MyCRM and a strong understanding of the Australian residential lending market.

The Role

As a Credit Analyst, you will work closely with Australian mortgage brokers and take ownership of the credit assessment and preparation process whilst training the offshore support team members.

Your responsibilities will include:

Review and assess residential lending scenarios

Complete detailed preliminary credit assessments

Analyse client income, assets, liabilities, living expenses and overall financial position

Complete and interpret serviceability and borrowing capacity calculations

Use lender-specific serviceability calculators

Research and interpret Australian lender credit policies

Identify suitable lender options based on client circumstances

Identify potential servicing or policy issues before submission

Assist brokers with structuring lending solutions

Prepare high-quality loan applications for submission

Review supporting documentation and identify outstanding requirements

Prepare comprehensive application and credit notes

Maintain accurate client and application information within MyCRM

Manage application workflows, tasks and milestones within MyCRM

Manage lender conditions and requests for additional information

Monitor applications through approval and settlement

Conduct quality assurance checks before submission

Maintain high standards of documentation, compliance and data accuracy

Proactively identify issues and recommend solutions to the broker

Mandatory Requirements

To be considered for this position, you must have previous Australian mortgage lending experience.

Candidates must have:

3+ years of Australian mortgage broking, credit assessment or senior loan processing experience

Hands-on MyCRM experience

Strong knowledge of the Australian residential mortgage market

Experience completing serviceability calculations

Experience using Australian lender serviceability calculators

Strong understanding of lender credit policies and lending criteria

Experience assessing PAYG and self-employed income

Experience reviewing assets, liabilities, living expenses and credit commitments

Experience preparing Australian residential mortgage applications

Experience working with Australian lenders and lender portals

Ability to independently assess a lending scenario and identify potential issues

Excellent written and spoken English

High attention to detail

Strong analytical and problem-solving ability

Ability to manage multiple applications and competing priorities

Highly Desirable

The following experience will be highly regarded:

Certificate IV in Finance and Mortgage Broking

Experience working directly with Australian mortgage brokers

Previous Credit Analyst or Parabroker experience

Self-employed borrowers, Company and trust structures, Investment lending, Refinancing and debt consolidation, Construction lending, Multiple-property investors

Experience with major banks, second-tier lenders and non-bank lenders

ApplyOnline

Equifax and Australian credit reporting

MyCRM experience