Senior Mortgage Credit Analyst Support - Au (Mycrm)

D2B; Philippines; On-site; PHP 4,365,000 - 6,111,000; Full time

Job summary

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.

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. 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).

Responsibilities

• 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.

Skills

Australian loan processing

Serviceability calculations

DTI analysis

MyCRM experience

Credit policy interpretation

English communication

Tools

MyCRM (LMG)

Job description

Senior Mortgage Credit Analyst Support - AU (MyCRM)

Company: D2b Job Type: Full Time Location: Philippines

Job Description

We’re an established finance and mortgage broking business writing residential, commercial and asset finance across a broad lender panel. We’re looking for a senior processing and submission specialist to take ownership of our loan files from acceptance through to settlement.

Role Overview

We are seeking a Senior Mortgage Credit Analyst Support to serve as a vital bridge between our 4 brokers and 3 Melbourne-based Credit Analysts. This is not an entry‑level admin or basic data‑entry job—we need an analytical, proactive processor who can interpret lender policies, assess complex income structures, and deliver audit‑ready deal packages ready for high‑level credit review.

Key Responsibilities

• 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 (tax returns, financial statements) and identify allowable add‑backs.
  • Interpret lender credit policy (e.g., CBA, Macquarie, RedZed) to determine appropriate lender fit and flag decline risks early.
• Workflow & CRM Management:
  • Maintain complete compliance records (signed consents, fact finds, BID notes).
  • Ensure file completeness (aiming for 80%–100% data and document readiness prior to handoff).
  • Keep status, notes, and tasks updated in MyCRM so any team member can review a file seamlessly.
• Team Collaboration:
  • Package and present fully prepared files to onshore Senior Credit Analysts for final review and submission via Apply Online / NextGen.
  • Actively communicate policy nuances or missing information directly with brokers and credit staff.

Requirements

• 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).