Senior Credit Analyst (AU Mortgage Experience)

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

Requirements

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