Senior Loan Processor / Credit Analyst

Elevated Solutions Group; Quezon City; On-site; PHP 600,000 - 1,000,000; Full time

Job summary

Elevated Solutions Group is seeking a Senior Loan Processor / Credit Analyst based in the Philippines to support Australian mortgage brokers with end-to-end management of residential loan applications.

The role requires 3+ years of Australian mortgage processing experience, proficiency with MyCRM and serviceability calculators, and strong English communication. You will assess borrower's capacity, prepare submissions, and liaise with lenders to drive approvals.

Qualifications

• 3+ years' experience in Australian mortgage processing.
• Experience assessing Australian residential loan applications.
• Hands-on with MyCRM and serviceability calculators.
• Strong knowledge of Australian lending policies.
• Excellent written and spoken English.

Responsibilities

• Manage mortgage applications from submission to settlement.
• Review borrower financials and documentation.
• Conduct serviceability assessments using calculators.
• Assess borrowing capacity and liabilities.
• Prepare and package loan applications for lenders.
• Liaise with lenders, brokers, and credit assessors.
• Maintain records in MyCRM and update milestones.
• Ensure compliance with responsible lending requirements.
• Provide updates on application status.
• Handle multiple applications and priorities.

Skills

Australian mortgage processing

Serviceability calculators

MyCRM usage

Credit assessment

Stakeholder management

English communication

Tools

MyCRM

Mercury Nexus

Podium

Equifax / credit reporting platforms

Job description

Australian Mortgage Broking | Offshore – Philippines | Full-Time

We are seeking an experienced Senior Loan Processor / Credit Analyst based in the Philippines to support Australian mortgage brokers with the end-to-end management of residential loan applications.

This is a senior-level position suited to someone who understands the Australian lending environment, can confidently assess loan applications against lender policies and serviceability requirements, and can manage applications from submission through to unconditional approval and settlement.

Key Responsibilities

Manage residential mortgage applications from initial submission through to settlement

Review and assess borrower financial information and supporting documentation

Conduct serviceability assessments using lender and industry serviceability calculators

Analyse borrower income, expenses, liabilities, assets and existing debts

Identify borrowing capacity and potential servicing issues

Review loan structures and identify appropriate lending solutions

Assess applications against lender credit policies and lending criteria

Prepare and package high-quality loan applications for submission

Determine appropriate supporting documentation required by lenders

Liaise with lenders, BDMs, credit assessors and other stakeholders

Manage lender conditions and requests for further information

Monitor application milestones and proactively follow up outstanding items

Identify potential issues before submission and recommend solutions

Maintain accurate and up-to-date records in MyCRM

Ensure all application notes, tasks, documents and milestones are correctly recorded in MyCRM

Conduct quality assurance checks before applications are submitted

Ensure applications meet Australian responsible lending and compliance requirements

Provide regular updates to brokers regarding application status

Assist with complex and non-standard lending scenarios

Manage multiple applications and competing priorities while maintaining high accuracy

Essential Experience & Skills

The successful candidate must have experience working with Australian residential mortgage applications.

You will need:

3+ years' experience in Australian mortgage processing, lending, credit assessment or loan administration

Strong understanding of the Australian residential mortgage market

Experience working with Australian banks, non-bank lenders or mortgage aggregators

Hands-on experience using MyCRM – mandatory

Hands-on experience using serviceability calculators – mandatory

Strong understanding of lender servicing and borrowing capacity calculations

Ability to independently calculate and assess borrowing capacity

Experience analysing PAYG, self-employed, casual, overtime and other income types

Strong understanding of liabilities, living expenses and financial commitments

Experience assessing applications against lender credit policies

Strong knowledge of the Australian home loan application process

Experience managing applications from submission through to settlement

Excellent written and spoken English

Exceptional attention to detail

Strong organisational and time-management skills

Ability to independently manage a pipeline of applications

Strong communication and stakeholder management skills

Systems Experience

Mandatory:

MyCRM

Serviceability / borrowing capacity calculators

Highly desirable:

ApplyOnline

Mercury / Mercury Nexus

Podium

Equifax / credit reporting platforms

Lender-specific servicing calculators

Various Australian bank and non-bank lender platforms