Credit Analyst

Ynance; Philippines; Remote; PHP 3,135,000 - 4,254,000; Full time

Benefits offered by this job

13th-month pay

Day shift hours (AU time)

Career growth opportunities

Job summary

Ynance is hiring a Credit Analyst for a 100% remote role from the Philippines. You will analyze client financials, determine borrowing capacity, and prepare loan packages for Australian lenders.

The position follows a standard Monday–Friday schedule aligned with Australian business hours, with a competitive, negotiable salary and 13th-month pay. You will work with Australian brokers, prepare files under BID/NCCP, and coordinate through NextGen, Loanapp, and MyCRM to drive applications to

Qualifications

• 2+ years packaging and assessing residential/commercial credit files for Australian mortgage brokerages or lenders.
• Experience with Australian broker technology: NextGen and Loanapp.
• Proficiency with MyCRM (LMG) and Quickli for CRM.
• Knowledge of CoreLogic RP Data, Illion and Gemini AI tools.

Responsibilities

• Analyze client financials and calculate borrowing capacity across lenders.
• Package compliant loan files under Best Interests Duty and BID requirements.
• Manage applications through to approval and settlement.
• Liaise with brokers, BDMs and credit assessors to clear conditions.
• Ensure NCCP Act compliance and responsible lending guidelines.

Skills

Credit analysis

Australian mortgage knowledge

Attention to detail

English communication

Tools

NextGen

Loanapp

MyCRM (LMG)

Quickli

CoreLogic RP Data

Illion Gemini

Job description

Employment Type:Full-Time,Direct Contractor

Schedule:Monday – Friday,8:00 AM – 5:00 PM AEST (6:00 AM – 3:00 PM Philippine Time) –Permanent Australian Day Shift (No night or weekend shifts)

Salary:Negotiable based on relevant AU lending experience + performance incentives + 13th-month pay

About the Role

Credit Analyst – (100% Remote)

Location:Remote (Philippines)

Employment Type:Full-Time,Direct Contractor

Schedule:Monday – Friday,8:00 AM – 5:00 PM AEST (6:00 AM – 3:00 PM Philippine Time) –Permanent Australian Day Shift (No night or weekend shifts)

Salary:Negotiable based on relevant AU lending experience + performance incentives + 13th-month pay

About the Role

We are a growing Australian mortgage brokerage seeking an experienced,detail-orientedOffshore Credit Analystto join our team.

In this role,you will work directly with our Australian brokers to analyse client financials,calculate borrowing capacity across major and non-bank lenders,package compliant loan files under Best Interests Duty (BID),and manage applications through to formal approval and settlement.

Key Responsibilities

• Financial Analysis & Servicing:Review and verify PAYG payslips,Tax Returns,Notices of Assessment (NOAs) and complex Business Financials.Run servicing across multiple lender calculators and compare scenarios.
• Living Expense & Account Verification:Conduct thorough bank statement analysis (verifying ongoing liabilities, undisclosed debts,and living expenses against HEM benchmarks).
• Loan Packaging & Submission:Build compliant deal structures,package supporting document checklists,and lodge loan applications directly throughApplyOnline (NextGen.Net)andLoanapp.
• CRM Management:Maintain accurate file records,track milestones,and update deal statuses in our CRM (MyCRM by LMG).
• Lender & File Tracking:Liaise with bank business development managers (BDMs) and credit assessors to clear outstanding conditions,push MIRs (More Information Required),and track files through unconditional approval and settlement.
• Compliance:Ensure all files meet the National Consumer Credit Protection (NCCP) Act standards,Best Interests Duty (BID) compliance,and responsible lending guidelines.

Required Qualifications & Experience

• Minimum 2+ years of hands-on experiencepackaging and assessing residential and commercial credit files specifically forAustralian mortgage brokerages or lenders.
• Proficiency in core Australian broker technology:
• Application Lodgement:ApplyOnline (NextGen) and/or Loanapp.
• Broker CRM:Experience withMyCRM (LMG system) and Quickli
• Supporting Platforms:CoreLogic RP Data, illion & AI (Gemini)
• In-depth understanding of Australian mortgage types (owner-occupier,investment,LMI thresholds) and lender credit policy tiers (Big 4 vs.second-tier vs.non-bank lenders).
• Exceptional English written and verbal communication skills.
• High attention to detail with an analytical,problem-solving mindset.
• Thrive on being part of a team environment

Home Office & Technical Requirements

• Dedicated,quiet home office environment conducive to focused work and confidential financial data handling.
• Primary reliable fiber internet connection (minimum 30+ Mbps download/upload) with an active backup internet connection (mobile hotspot/pocket Wi-Fi).
• Secondary power backup solution (UPS / power station) to ensure uninterrupted service during local power outages.
• Modern PC/laptop with webcam,headset,and dual-monitor setup (or willingness to set up dual monitors).

What We Offer

• True Day Shift:Enjoy standard Australian business hours with evenings and weekends completely free.
• Stable, Long-Term Position:Direct role with our brokerage (not a short-term BPO account that risk-rolls you).
• Australian Public Holidays & Leave:Paid time off aligned with Australian / Philippine public holidays + standard annual and sick leave entitlements.
• 13th-Month Pay:Annual bonus paid at the end of the year.
• Professional Growth:Direct collaboration with experienced Australian brokers,ongoing policy training,and potential leadership pathways as our offshore pod grows.