Senior Mortgage Credit Analyst: Deal Packaging Lead

D2B; Philippines; Presencial; PHP 4.365.000 - 6.111.000; Jornada completa

Descripción de la vacante

D2b in the Philippines is seeking a Senior Mortgage Credit Analyst Support to bridge our brokers and Melbourne-based Credit Analysts. This is not entry-level work; we need an analytical, proactive processor who can interpret lender policies, assess complex income structures, and deliver audit-ready deal packages for high-level credit review.

You will own loan files from acceptance to settlement, perform serviceability calculations, DTI analysis, and ensure 80–100% data readiness.

Formación

• 3+ years in Australian residential loan processing, submissions, or lender credit assessment.
• Strong understanding of serviceability mechanics (buffer rates, HECS/HELP treatment, credit card limit loading, LVR/LMI thresholds).
• Experience with MyCRM (LMG) is highly regarded. Candidates with experience in other Australian mortgage CRMs who demonstrate high technical aptitude and willingness to learn are encouraged to apply.
• Articulate written/verbal English skills with a proactive approach to highlighting potential file issues.
• Ability to work fixed Australian business hours (9:00 AM – 6:00 PM AEST).

Responsabilidades

• Deal Preparation & Structuring: Collect, audit, and analyze client financial documents using Hello packs and MyCRM; Perform serviceability calculations, income shading, HEM benchmark comparisons, and debt-to-income (DTI) analysis; Analyze self-employed financials and identify allowable add-backs; Interpret lender credit policy to determine lender fit and flag decline risks early.
• Workflow & CRM Management: Maintain complete compliance records; Ensure file completeness (aiming for 80%–100% data and document readiness prior to handoff); Keep status, notes, and tasks updated in MyCRM.
• Team Collaboration: Package and present fully prepared files to onshore Senior Credit Analysts for final review and submission; Communicate policy nuances or missing information with brokers and credit staff.

Conocimientos

Australian loan processing

Serviceability calculations

DTI analysis

MyCRM experience

Credit policy interpretation

English communication

Herramientas

MyCRM (LMG)

Descripción del empleo

D2b in the Philippines is seeking a Senior Mortgage Credit Analyst Support to bridge our brokers and Melbourne-based Credit Analysts. This is not entry-level work; we need an analytical, proactive processor who can interpret lender policies, assess complex income structures, and deliver audit-ready deal packages for high-level credit review.

You will own loan files from acceptance to settlement, perform serviceability calculations, DTI analysis, and ensure 80–100% data readiness.