Senior Mortgage Credit Analyst - Remote AU Hours

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

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.