Remote Australian Mortgage Credit Analyst

D2B; United States; Remote; USD 17,000 - 20,000; Full time

Job summary

D2B is seeking a Credit Analyst to turn client data into clear, accurate, and decision-ready recommendations within the Australian mortgage space. The role emphasizes rigorous file review, scenario analysis, and policy-based lending decisions, collaborating with brokers and processors to optimize outcomes remotely.

The ideal candidate brings 3+ years in mortgage brokerage credit analysis, broad lender experience, and strong communication to support decisioning and efficient handovers.

Qualifications

• Minimum 3 years mortgage broker experience in the same role.
• Broad lender exposure across major, second and third-tier lenders.
• Proficiency with Broker Engine and Quickli.
• Ability to interpret PAYG and self-employed financials; trust and SMSF experience preferred.
• Strong English and communication skills.
• Attention to detail to identify income discrepancies and living expenses.
• Extensive AOL experience; checkpoint on processor submissions.
• Solutions-oriented with ability to recommend lender or structure.
• Experience with living expenses analysis for serviceability.

Responsibilities

• Review fact find and supporting documents for file assessment.
• Run lender servicing scenarios across relevant lenders.
• Analyse actual living expenses versus benchmarks.
• Assess lender suitability based on current policy.
• Recommend optimal loan structure and lender combination.
• Produce standardised, decision-ready credit summaries.
• Hand over file to processor and verify AOL/CRM entries before submission.
• Execute pricing requests as required.

Skills

Lending policy knowledge

Credit analysis

Attention to detail

Problem solving

Communication skills

Financial statement interpretation (PY

Tools

Broker Engine

Quickli

Job description

D2B is seeking a Credit Analyst to turn client data into clear, accurate, and decision-ready recommendations within the Australian mortgage space. The role emphasizes rigorous file review, scenario analysis, and policy-based lending decisions, collaborating with brokers and processors to optimize outcomes remotely.

The ideal candidate brings 3+ years in mortgage brokerage credit analysis, broad lender experience, and strong communication to support decisioning and efficient handovers.