Credit Analyst (Australian Mortgage) - 197

Position: Credit Analyst Salary: PHP 95,000 - 115,000/month Working Hours & Conditions: Aligned with Australian hours; full-time (remote) Holidays: AU Holidays ABOUT THE COMPANY: The client is a premier, client-focused mortgage brokerage headquartered in the Sutherland Shire, New South Wales, serving families and individuals across Australia. Operating as a trusted partner in the residential finance sector, the firm specializes in navigating the complexities of the mortgage market to deliver tailored lending solutions. With a core expertise in mortgage comparison, loan pre-approval, and strategic refinancing, the company leverages a robust network of over 30 lenders to ensure clients secure competitive rates and structures that align with their long-term financial goals. OVERVIEW: We’re looking for a strategic Credit Analyst in the Australian Mortgage space who can turn client data into clear, accurate, and decision-ready recommendations. RESPONSIBILITIES: - File Assessment: Review fact find and supporting documents - Servicing: Run lender servicing scenarios across relevant lenders - Living Expenses: Analyse actual expenses versus HEM benchmarks - Policy Fit: Assess lender suitability based on current policy - Structuring: Recommend optimal loan and lender combination - Credit Summary: Produce standardised, decision-ready output for broker - File Handover: Hand over to processor and check AOL/CRM entries before submission - Pricing Requests: Run pricing requests as required Requirements QUALIFICATIONS: - Proficient in Broker Engine — required for file review, handover and pre-submission checks - Minimum 3 years experience in the same role for a mortgage broker — bank-side experience alone is insufficient due to limited lender breadth - Broad lender exposure — must know policy and servicing for major, second and third-tier lenders - Proficient in Quickli for servicing scenarios - Ability to interpret PAYG and self-employed financials; trust and SMSF experience highly regarded - Strong working knowledge of living expenses analysis for serviceability purposes - Extensive AOL experience — required to act as a checkpoint on processor submissions, even though the analyst will not lodge applications directly - Solutions-oriented — able to identify issues and recommend the appropriate lender or structure - Attention to detail — picks up inconsistencies such as income mismatches, payslips not reconciling with YTD figures, understated living expenses, or liabilities missing from fact find versus credit report - Able to produce clear, concise recommendations to the broker and a clean handover pack for submission - Solid English and communication skills — will periodically liaise with bank BDMs to clarify scenarios or policy - Complex lending experience (trust, SMSF) advantageous to support new client acquisition