Senior Credit Analyst (AU Mortgage Experience)

D2B; Manila; A distancia; PHP 1.004.000 - 1.339.000; Jornada completa

Descripción de la vacante

D2B is seeking a Senior Credit Analyst to structure, assess, and submit loan applications across residential lending scenarios. This role is remote and aligned with Australian hours, offering full-time engagement from the Philippines.

You will think like a broker, analyzing complex deals, coordinating with multiple lenders, and ensuring submissions are well-prepared with robust credit support.

Formación

• 4+ years in Australian mortgage broking / credit analysis.
• Experience with complex lending scenarios and approvals.
• Strong understanding of lender policies and servicing.

Responsabilidades

• Analyze borrower scenarios (PAYG, self-employed, complex structures).
• Structure deals across refinances, equity release, pre-approvals, multi-lender/proprietary products.
• Prepare and submit loan applications via Connective.
• Review supporting documents for completeness and credit strength.
• Identify risks and propose alternative structures before submission.
• Liaise with lenders, BDMs, and internal stakeholders.
• Maintain accurate notes and pipeline in Mercury CRM.

Conocimientos

Credit analysis

Mortgage broking

Risk assessment

Deal structuring

Herramientas

Connective

Mercury CRM

Descripción del empleo

Position

Senior Credit Analyst

Salary

PHP 90,000 - 120,000

Working Hours & Conditions

Aligned with Australian hours; full-time (remote)

Holidays

AU Holidays

ABOUT THE COMPANY

The client is a forward-thinking financial services and mortgage brokerage firm headquartered in Newcastle, New South Wales. Operating with a mission to modernize the lending landscape, the company specializes in providing strategic debt solutions for first-home buyers, seasoned investors, and small business owners across Australia. By leveraging a network of over 60 lenders, they deliver highly personalized expertise in residential mortgages, commercial finance, and asset lending, positioning themselves as a fresh alternative to traditional banking institutions.

OVERVIEW

You are responsible for structuring, assessing, and submitting loan applications across a wide range of residential lending scenarios. This is not a data-entry role—you are expected to think like a broker and anticipate credit outcomes before submission.

You will work across multiple lenders (including proprietary products), handling deals end-to-end from fact find through to submission and credit support.

RESPONSIBILITIES

• Analyze borrower scenarios (PAYG, self-employed, complex structures)
• Structure deals across:
• Refinances
• Cash-out / equity release
• Pre-approvals
• Multi-lender / proprietary products
• Basic SMSF lending (low volume)
• Prepare and submit loan applications via Connective
• Complete and manage MIRs (More Information Requests)
• Review supporting documents for completeness and credit strength
• Identify risks and propose alternative structures before submission
• Liaise with lenders, BDMs, and internal stakeholders
• Maintain accurate notes and pipeline in Mercury CRM

Requirements

QUALIFICATIONS

• 4+ years in Australian mortgage broking / credit analysis
• Strong experience with:
• Complex deals (not just vanilla PAYG)
• Refinance and equity release scenarios
• Pre-approvals and submissions
• Hands-on experience with:
• Connective (non-negotiable)
• Mercury CRM (strongly preferred)
• Solid understanding of lender policies and servicing

WHAT THE CLIENT IS ACTUALLY LOOKING FOR

• You don't wait for instructions-you identify issues before they happen
• You can structure deals, not just process them
• You reduce back-and-forth with lenders by getting it right upfront

PREFERRED SKILLS (nice to have)

• SMSF lending exposure
• Experience with non-bank / specialist lenders