Credit Analyst / Credit Manager - Private Lending (AU Residential Lending)

D2B; Manila; Remote; PHP 600,000 - 800,000; Full time

Benefits offered by this job

Exposure to diverse transactions

Direct access to senior management and

Career progression in private lending

Job summary

D2B is seeking a Credit Analyst / Credit Manager – Private Lending to join our team remotely from the Philippines. You will manage the full lending process from initial assessment through to settlement, leveraging Australian lending principles and preparing high‑quality credit submissions for approval.

This role involves deal structuring, portfolio management and collaboration with brokers, borrowers and senior decision makers.

Qualifications

• Minimum 3 years' experience in Australian lending, credit assessment or loan processing.
• Strong understanding of Australian mortgage lending and credit principles.
• Experience analysing borrower financials and supporting documentation.
• Excellent written and verbal communication skills.
• Strong attention to detail and ability to manage multiple transactions.
• Ability to work independently in a fast-paced environment.
• Experience in commercial property lending (highly regarded).
• Experience in private lending, non-bank lending or specialist lending (highly regarded).
• Exposure to development finance or construction lending (highly regarded).
• Experience writing credit papers and preparing lending recommendations (highly regarded).
• Understanding of trust, company and SMSF structures (highly regarded).

Responsibilities

• Assess residential, commercial and business-purpose loan applications.
• Prepare and package detailed credit submissions.
• Review financial statements, tax returns, bank statements and supporting documents.
• Analyse servicing, security, exit strategies and overall transaction risk.
• Review valuations, company searches, trust structures and borrower background information.
• Liaise with brokers, borrowers, solicitors, valuers and other stakeholders.
• Assist with transaction management from application through to settlement.
• Work closely with administration team to ensure efficient processing of applications.
• Support ongoing portfolio monitoring and reporting.
• Assist with developing and improving internal credit policies and procedures.

Job description

Position

Credit Analyst / Credit Manager – Private Lending

Salary

Competitive salary package based on experience, plus performance incentives

Working Hours & Conditions

Aligned with Australian hours; full-time - remote

OVERVIEW

This is an excellent opportunity for someone with Australian lending and credit experience who is looking to gain exposure to private lending and work directly alongside experienced decision makers.

You will be involved in the full lending process from initial assessment through to settlement, while helping prepare high-quality credit submissions for approval.

As the business grows, you will become an integral part of our credit function and assist with deal structuring, portfolio management and credit operations

RESPONSIBILITIES

• Assess residential, commercial and business-purpose loan applications
• Prepare and package detailed credit submissions
• Review financial statements, tax returns, bank statements and supporting documents
• Analyse servicing, security, exit strategies and overall transaction risk
• Review valuations, company searches, trust structures and borrower background information
• Liaise with brokers, borrowers, solicitors, valuers and other stakeholders
• Assist with transaction management from application through to settlement
• Work closely with our administration team to ensure efficient processing of applications
• Support ongoing portfolio monitoring and reporting
• Assist with developing and improving internal credit policies and procedures

Qualifications

• Essential
  • Minimum 3 years' experience in Australian lending, credit assessment or loan processing
  • Strong understanding of Australian mortgage lending and credit principles
  • Experience analysing borrower financials and supporting documentation
  • Excellent written and verbal communication skills
  • Strong attention to detail and ability to manage multiple transactions
  • Ability to work independently in a fast-paced environment
• Highly Regarded
  • Experience in commercial property lending
  • Experience in private lending, non-bank lending or specialist lending
  • Exposure to development finance or construction lending
  • Experience writing credit papers and preparing lending recommendations
  • Understanding of trust, company and SMSF structures

Benefits

• Exposure to a wide range of residential, commercial and development transactions
• Direct access to senior management and credit decision makers
• Opportunity to build a long-term career in private lending
• Diverse and interesting deal flow
• Supportive and entrepreneurial team environmentGenuine opportunity for career progression as the business grows