Senior Credit Analyst (AU Mortgage Experience)

Position: Senior 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