Senior Credit Analyst (AU Mortgage Experience)

D2B; United States; Remote; USD 1,400 - 1,900; Full time

Job summary

D2B is seeking a Credit Analyst to assess and structure residential loan applications across a wide range of scenarios. You will think like a broker, handling deals end-to-end from fact find through to submission with multiple lenders, including proprietary products.

You will manage MIRs, review documents for credit strength, and identify risks before submission. Proactive liaison with lenders and internal teams is essential to maintain a clean pipeline in Mercury CRM.

Qualifications

• 4+ years in Australian mortgage broking / credit analysis.
• Experience with complex deals (not just vanilla PAYG).
• Refinance and equity release scenarios.
• Pre-approvals and submissions.
• Connective (non-negotiable).
• Mercury CRM (strongly preferred).

Responsibilities

• Analyze borrower scenarios (PAYG, self-employed, complex structures).
• Structure deals across refinances, cash-out / equity release, pre-approvals, multi-lender / proprietary products, basic SMSF lending.
• Prepare and submit loan applications via Connective.
• Complete and manage MIRs (More Information Requests).
• Review supporting documents for completeness and credit strength.
• Identify risks and propose alternative structures before submission.
• Liaise with lenders, BDMs, and internal stakeholders.
• Maintain accurate notes and pipeline in Mercury CRM.

Skills

Complex deals

Refinance & equity release

Pre-approvals & submissions

Connective

Mercury CRM

Tools

Connective

Mercury CRM

Job description

Position: Credit Analyst

Salary: PHP 90,000 - 120,000

Working Hours & Conditions Aligned with Australian hours; full-time (remote)

Holidays: AU Holidays

ABOUT THE COMPANY:

The client is a forward-thinking financial services and mortgage brokerage firm headquartered in Newcastle, New South Wales. Operating with a mission to modernize the lending landscape, the company specializes in providing strategic debt solutions for first-home buyers, seasoned investors, and small business owners across Australia. By leveraging a network of over 60 lenders, they deliver highly personalized expertise in residential mortgages, commercial finance, and asset lending, positioning themselves as a fresh alternative to traditional banking institutions.

OVERVIEW:

You are responsible for structuring, assessing, and submitting loan applications across a wide range of residential lending scenarios. This is not a data-entry role—you are expected to think like a broker and anticipate credit outcomes before submission.

You will work across multiple lenders (including proprietary products), handling deals end-to-end from fact find through to submission and credit support.

RESPONSIBILITIES:

• Analyze borrower scenarios (PAYG, self-employed, complex structures)

• Structure deals across:

  • Refinances
  • Cash-out / equity release
  • Pre-approvals
  • Multi-lender / proprietary products
  • Basic SMSF lending (low volume)

• Prepare and submit loan applications via Connective

• Complete and manage MIRs (More Information Requests)

• Review supporting documents for completeness and credit strength

• Identify risks and propose alternative structures before submission

• Liaise with lenders, BDMs, and internal stakeholders

• Maintain accurate notes and pipeline in Mercury CRM

QUALIFICATIONS:

• 4+ years in Australian mortgage broking / credit analysis

• Strong experience with:

  • Complex deals (not just vanilla PAYG)
  • Refinance and equity release scenarios
  • Pre-approvals and submissions

• Hands-on experience with:

  • Connective (non-negotiable)
  • Mercury CRM (strongly preferred)

• Solid understanding of lender policies and servicing

WHAT THE CLIENT IS ACTUALLY LOOKING FOR:

• You don’t wait for instructions—you identify issues before they happen
• You can structure deals, not just process them
• You reduce back-and-forth with lenders by getting it right upfront

PREFERRED SKILLS (nice to have):

• SMSF lending exposure
• Experience with non-bank / specialist lenders