Senior Mortgage Credit Analyst – Deal Structuring

D2B; Philippines; On-site; PHP 600,000 - 900,000; Full time

Job summary

D2b in the Philippines is seeking a Senior Mortgage Credit Analyst Support to bridge brokers and credit analysts. You will interpret lender policies, assess income structures, and prepare audit-ready deal packages for credit review.

This role demands analytical thinking, experience with Australian residential lending, and proficiency in MyCRM. You will work 9:00 AM–6:00 PM AEST hours, coordinating across teams to ensure compliant submissions and timely settlements.

Qualifications

• 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; other Australian mortgage CRMs are acceptable with aptitude.
• Clear written and spoken English with a proactive approach to issues.
• Ability to work fixed Australian business hours (9:00 AM - 6:00 PM AEST).

Responsibilities

• Collect, audit, and analyze client financial documents using Hello packs and MyCRM.
• Perform serviceability calculations, income shading, HEM benchmark comparisons, and DTI analysis.
• Analyze self-employed financials (tax returns, statements) and identify add-backs.
• Interpret lender policies to determine the best fit and flag decline risks early.
• Maintain compliance records (signed consents, fact finds, BID notes).
• Ensure file completeness (80-100% data readiness) prior to handoff.
• Keep status, notes, and tasks updated in MyCRM for team review.
• Package and present files to onshore Senior Credit Analysts for final review.
• Communicate policy nuances or missing information with brokers and credit staff.

Skills

Australian loan processing

Credit assessment

MyCRM experience

Income analysis

English communication

Tools

MyCRM (LMG)

Job description

D2b in the Philippines is seeking a Senior Mortgage Credit Analyst Support to bridge brokers and credit analysts. You will interpret lender policies, assess income structures, and prepare audit-ready deal packages for credit review.

This role demands analytical thinking, experience with Australian residential lending, and proficiency in MyCRM. You will work 9:00 AM–6:00 PM AEST hours, coordinating across teams to ensure compliant submissions and timely settlements.