Senior Mortgage Associate / Credit Analyst (AU Mortgage - Mercury CRM)

D2B; Manila; On-site; PHP 1,551,000 - 2,101,000; Full time

Job summary

D2B is seeking a Senior Mortgage Associate / Credit Analyst in Australia. You will own the pipeline end to end, drive files from lead to lodgement, and partner with brokers at a high level. Expect to manage credit depth, compliance, and client communication throughout the process.

Ideal candidates bring 4–5+ years in Australian mortgage broking, strong credit skills, and experience with lenders, documents, and submission workflows.

Qualifications

• 4+ years in Australian mortgage broking in a senior processing, credit, or associate role.
• Experience preparing and lodging SMSF, complex self-employed, and trust-structure loan applications.
• Strong credit analysis across PAYG, self-employed, commissions, and rental income.
• Deep knowledge of lender policy, BID/NCCP, and responsible lending requirements.
• Proven ability to own a pipeline independently, workflow-driven not task-driven.
• Experience building compliant proposal packages including BID/NCCP documents.

Responsibilities

• Own the Mercury CRM pipeline end to end with accurate notes and stage progression.
• Know where every file sits and speak to each client's situation on the spot.
• Set up new files and maintain CRM and lender data with proper folder structure.

Skills

Credit analysis

Mortgage broking

Pipeline management

Client liaison

Documentation

Regulatory compliance

Education

Certificate IV in Finance and Mortgage Broking

Tools

Mercury CRM

AOL

Quickli

Outlook

Teams

Job description

Position: Senior Mortgage Associate / Credit Analyst

Salary: AU$ 3,100 - AU $ 4,200/month

Working Hours & Conditions: Mondays to Fridays; 9:00 AM- 6:00 PM AEST

OVERVIEW:

The company is looking for a Senior Mortgage Associate who operates at the top of the support function — someone who can own the pipeline end to end, drive files from initial lead through to lodgement without being task-managed, and partner the broker at a high level. The ideal candidate sits close to Strategist level: they understand credit deeply, can run compliance and proposals independently, and bring the kind of judgment that keeps files clean and moving. A strong Senior Associate is the floor; someone with Strategist-level credit depth is the target.

RESPONSIBILITIES:

Liaise internally with Brokers, Strategists, and the wider support team; and externally with Clients, Lenders, Solicitors, Conveyancers, and Referral Partners.

Pipeline & CRM Ownership

• Own the Mercury CRM pipeline end to end — maintain accurate notes, task tracking, and stage progression without being prompted.
• Know where every file sits at all times and be able to speak to any client's situation on the spot.
• Set up new files, perform accurate data entry across CRM and lender platforms, and maintain folder structure and naming conventions to company standards.

Pre-Review, Review & Broker Prep

• Oversee and push the front end of the pipeline — lead follow-up cadence (Day 4, 7, 10), document collection, Equifax and PropertyHub reports, and pre-review notes.
• Complete the full Review stage independently: assess income (PAYG and complex), review bank statements via CashDeck, confirm salary packaging, assess rental income, work the funding position, run Quickli serviceability, and write review notes.
• Hand files to the broker fully prepped for First Appointment and take them straight back once the recommendation is made.

Proposal, Compliance & Submission

• Build the full proposal package: servicing calculator, pricing, BID/NCCP compliance, AOL setup, credit notes, lender checklist, compliance docs, and client proposal.
• Identify missing or incorrect documentation early; structure and package files to a clean, submission-ready standard with nil unnecessary rework.
• Submit pricing requests, order and track valuations, and manage pre-approval conditions.
• Lodge applications via AOL and handle lender rework requests fast and accurately.

Settlement & Progression

• Follow up with lenders, solicitors, and conveyancers to keep files tracking toward settlement.
• Monitor outstanding conditions, deadlines, and settlement timelines; elevate issues proactively to the broker.
• Keep status notes current and provide regular internal updates to maintain team visibility.

Client Communication

• Own the client relationship through the processing phase — guide document collection, provide pipeline updates, set expectations clearly, and respond to inquiries with confidence.
• Write post-appointment summaries and confirm strategy and instructions in writing.
• Conduct post-settlement annual reviews to support retention and identify future opportunities.

SKILLS & EXPERIENCE:

• 4 to 5+ years of experience in the Australian mortgage broking industry in a senior processing, credit, or associate role
• Hands-on experience preparing and lodging SMSF, complex self-employed, and trust structure loan applications
• Strong credit analysis capability across a full range of income types — PAYG, self-employed, commission-based, and rental income — including the ability to read a credit file and work serviceability levers across multiple lenders
• Deep understanding of mortgage products, lender policy, and compliance obligations including BID, NCCP, and responsible lending requirements
• Proven ability to own a pipeline independently — workflow-driven, not task-driven
• Experience building compliant, complete proposal packages including BID/NCCP documentation
• Excellent attention to detail and file discipline, with the ability to keep multiple complex files moving simultaneously
• Strong written communication skills — confident writing client-facing summaries and internal credit notes
• Ability to manage competing priorities without losing accuracy or pace

TOOLS AND SYSTEMS (NON-NEGOTIABLE)

• Microsoft Outlook
• Mercury CRM (Connective)
• ApplyOnline (AOL)
• Quickli
• Microsoft Teams

PREFERRED SKILLS (NICE TO HAVE)

• Strategist-level credit depth — experience writing credit submissions, selecting lenders independently, and managing credit assessor conversations
• Familiarity with multi-property investment and construction lending scenarios
• Certificate IV in Finance and Mortgage Broking or equivalent
• Experience mentoring or overseeing junior associates