Senior Credit Analyst (016 - 1275)

Hunt St Pty Ltd; Manila; Remote; PHP 897,000 - 1,246,000; Full time

Job summary

Hunt St Pty Ltd is seeking a Senior Credit Analyst based in the Philippines to support Australian mortgage and commercial lending. This remote contractor role involves assessing applications, preparing credit papers, and liaising with clients and banks to secure suitable funding.

The successful candidate will align with AU business hours, work independently, and contribute to improving lending processes and client outcomes within a small team.

Qualifications

• 5+ years of credit analyst experience.
• 2+ years in commercial lending.
• Experience with Australian mortgage lending processes.
• Fluent spoken English and excellent written English.
• Demonstrated initiative and ability to work independently.

Responsibilities

• Assess residential and commercial loan applications, including self-employed clients.
• Research lenders and credit policies to identify funding solutions.
• Prepare credit papers and lending scenarios for NCCP-compliant lending.
• Complete serviceability calculations and review financials.
• Support mortgage broker and loan processor to progress applications.

Skills

Credit analysis

Financial risk assessment

English communication

Independent contractor mindset

Education

Bachelor's degree in Finance or related field

Tools

Australian mortgage lending software

Job description

Looking for Philippines-based candidates

Job Role:

Senior Credit Analyst

Compensation range

$1,800 AUD - $2,500 AUD / Monthly

Engagement type

Independent Contractor Agreement

Work Schedule

This role is expected to align with the AU business hours (approx. 9 AM - 6 PM, Monday to Friday) for collaboration, but as a contractor, you’ll have flexibility in how you manage your time.

Who We Are

At Hunt St, we help Australian companies hire top remote talent in the Philippines. For this role, you will be engaged directly by the client as an independent contractor. We are not an outsourcing agency. All of our roles are 100% remote so you'll be able to work from home.

Who The Client Is

We are an Australian finance services firm helping individuals, investors, self-employed professionals, and business owners with their lending needs, including home purchases, refinancing, and business finance. We take a professional, client-first approach, taking the time to understand each client’s unique circumstances, needs, and goals to provide practical and tailored finance solutions.

Role Overview

We are looking for a Senior Credit Analyst with strong Australian mortgage and commercial lending experience. The role will support the Mortgage Broker and Loan Processor in assessing and progressing applications, working with clients and lenders, and identifying suitable lending solutions.

This role requires someone who can work independently, demonstrate initiative, and contribute to improving processes for a smoother and more efficient application experience.

Key Responsibilities:

• Assess and review residential and commercial loan applications, particularly for self-employed clients and business owners.
• Research lenders and review credit policies to identify suitable funding solutions.
• Prepare credit papers and lending scenarios for commercial and NCCP-compliant lending.
• Complete serviceability calculations and review financials.
• Manage commercial applications including SMSF, Asset Finance, Commercial Property Purchases, Trade Finance, and Business Purchases.
• Prepare information and respond to requests from third parties, such as accountants.
• Communicate confidently with clients and banks by phone to confirm details and requirements.
• Support the Loan Processor to achieve smooth applications and positive client outcomes.
• Identify and implement process improvements to improve efficiency and client satisfaction.
• Take ownership of tasks, apply logical thinking, and develop solutions without requiring close supervision.

Requirements

Required Skills and Qualifications:

• 5+ years of Credit Analyst experience, including at least 2 years in commercial lending.
• Hands-on experience with SMSF, Asset Finance, Commercial Property, Trade Finance, and/or Business Purchases.
• Experience working for an Australian mortgage broking firm.
• Strong understanding of Australian lending processes and lender credit policies.
• Fluent spoken English and excellent written English.
• Excellent attention to detail and strong analytical skills.
• Proven initiative and ability to solve problems independently.
• Confident in communicating with clients and banks by phone.
• Positive, friendly, and professional attitude.
• Comfortable working with a smaller team and in a WFH environment.
• Demonstrated interest in driving process improvements and achieving better client outcomes.

Work Arrangement & Expectations:

This is a remote role that will be set up as an independent contractor engagement.

To ensure alignment and transparency, successful candidates will be expected to:

• Disclose any existing ongoing roles or client work
• Reflect this engagement on their LinkedIn profile (clearly marked as “Independent Contractor”)