Senior Mortgage Credit Analyst & Para-Broker

D2B; Manila; On-site; PHP 1,117,000 - 1,338,000; Full time

Job summary

D2B is seeking a Senior Credit Analyst / Para-Broker to provide high-level credit and loan-processing support to Australian mortgage brokers. You will assess complex financial data, run servicing calculations, research lender policies, and help structure applications before submission.

Strong Excel capability and experience with Connective Mercury are highly valued, with end-to-end support to brokers so they can focus on advising clients and growing the business.

Qualifications

• Significant experience as Senior Credit Analyst or Para-Broker
• Experience with Australian residential lending
• Advanced Excel skills
• Experience with Connective Mercury preferred
• Excellent written and verbal English

Responsibilities

• Review client financial information and assess borrowing capacity
• Complete detailed servicing and affordability calculations
• Analyse income, liabilities, living expenses, assets and overall financial position
• Review PAYG, self-employed and more complex income structures
• Analyse payslips, bank statements, tax returns and financial statements
• Calculate and verify income in accordance with lender requirements
• Identify potential servicing, policy or credit issues early in the application process
• Review loan-to-value ratios (LVRs) and other key lending metrics
• Conduct scenario analysis across different lenders and loan structures
• Use Excel extensively for calculations, analysis and loan scenario modelling
• Research lender policies and identify appropriate lending options
• Prepare clear recommendations and supporting analysis for broker review
• Maintain accurate client and application records within Mercury platform
• Prepare applications and supporting documentation for broker review
• Liaise with brokers regarding missing information or potential credit issues
• Maintain visibility across active applications and upcoming deadlines
• Track outstanding documentation and lender conditions
• Assist brokers with pipeline reporting
• Identify files requiring urgent attention
• Ensure Mercury records remain complete and accurate
• Communicate with clients and lenders to obtain required documents
• Provide professional client experience throughout the loan process
• Keep up to date with changing lender policies and servicing requirements

Skills

Credit analysis

Strong English communication

Attention to detail

Independent work

Lender policy interpretation

Tools

Mercury Nexus

Connective Mercury

Microsoft Excel

Microsoft 365

Lender portals

Job description

D2B is seeking a Senior Credit Analyst / Para-Broker to provide high-level credit and loan-processing support to Australian mortgage brokers. You will assess complex financial data, run servicing calculations, research lender policies, and help structure applications before submission.

Strong Excel capability and experience with Connective Mercury are highly valued, with end-to-end support to brokers so they can focus on advising clients and growing the business.