Mortgage Credit Analyst (AU) – Elevate Home Loans

D2B; Philippines; On-site; PHP 2,855,000 - 3,953,000; Full time

Job summary

Mercury in Australia seeks a Mortgage Credit Analyst to support Australian lending operations by assessing borrowers’ financial positions and preparing high-quality loan applications for submission.

You will review payslips, tax returns, and supporting documents, ensure compliance with responsible lending obligations, and coordinate with brokers, lenders and clients throughout the process. Mercury emphasizes accuracy and collaborative problem-solving.

Qualifications

• Experience analysing financial documents and assessing borrower serviceability.
• Strong understanding of Australian residential lending policies and credit assessment principles.
• Ability to identify lending risks and recommend appropriate loan structures.
• Excellent written and verbal English communication skills.

Responsibilities

• Analyse borrowers' financial positions, income, liabilities, assets and living expenses.
• Review payslips, tax returns, financial statements, bank statements and supporting documents.
• Identify undisclosed liabilities, recurring expenses and potential credit risks.
• Verify borrower information against documents and lender requirements.
• Assess serviceability and borrowing capacity using lender calculators.
• Prepare accurate loan applications within Connective Mercury and submit through AOL.

Skills

Credit analysis

Financial statement analysis

Lending policy knowledge

Compliance & risk assessment

English communication

Tools

Connective Mercury

ApplyOnline (AOL)

Job description

Mercury in Australia seeks a Mortgage Credit Analyst to support Australian lending operations by assessing borrowers’ financial positions and preparing high-quality loan applications for submission.

You will review payslips, tax returns, and supporting documents, ensure compliance with responsible lending obligations, and coordinate with brokers, lenders and clients throughout the process. Mercury emphasizes accuracy and collaborative problem-solving.