Parabroker/ Credit Analyst (End-to-End) - 082

Job Title: Parabroker/ Credit Analyst (End-to-End) Salary: PHP 80,000 to PHP 110,000 Working Hours: Mondays to Fridays; 8:30 AM to 5:30 PM Brisbane Time Holidays: TBD Role Overview: We are seeking an experienced Credit Analyst / Parabroker to manage loan files end-to-end from broker handover to settlement. This is a fully autonomous role supporting one broker. You will drive files forward, manage timelines, analyse income (PAYG and self-employed), assess credit and liabilities, select lenders, coordinate valuations, and ensure compliance, all without micromanagement. Strong attention to detail, critical thinking, and proactive file management are essential. Duties and Responsibilities: End-to-End File Management - Drive loan files from broker handover through document collection, analysis, submission, settlement, and post-settlement - Conduct living expense analysis - Analyse PAYG income including payslips, salary credits, and salary sacrifice arrangements - Analyse self-employed income (full doc assessment) - Pull and assess credit files - Identify liabilities from Fact Find, credit file, and bank statements - Conduct lender research, policy checks, and product recommendations - Complete detailed diary notes for internal records and submission Loan Submission & Processing - Prepare and package loan applications in Broker Engine - Order valuations and manage through to completion - Manage pricing requests - Liaise with XSource regarding MIRs and loan documents - Action returned MIRs and documents within expected timeframes - Track and manage lender conditions Compliance & Documentation Standards - Ensure strict compliance with lender policies and internal procedures - Rename and file all documents according to required naming conventions (no exceptions) - Save documents in correct folders immediately upon receipt - Edit all email templates and forms to ensure accuracy before sending - Ensure specialised documents are collected for complex scenarios (e.g., separation agreements, guarantor documents, bridging requirements) - Modify document requests to reflect actual deal circumstances (e.g., single applicant vs joint) Settlement & Timeline Management - Track finance and settlement dates independently using Broker Engine and/or calendar tools - Follow up lenders, solicitors, and conveyancers - Ensure no file remains inactive beyond three days without valid reason - Escalate issues early and proactively Requirements Must Haves: - At least 3 years of experience as a Credit Analyst or Parabroker (end-to-end processing required) - Strong understanding of the 5 C’s of Credit and lender credit policy - Experience analysing PAYG and self-employed income - Proficiency in CRM systems and Microsoft Office - Experience using Broker Engine (highly regarded) - Experience with Quickli and lender servicing calculators - Experience pulling and analysing credit files - Knowledge of lender servicing calculators and broker portals - Experience ordering valuations and managing settlements - Strong attention to detail and organisational skills - Excellent written and verbal English communication skills - Ability to work autonomously and drive files without micromanagement Nice to Have: - Prior banking experience - Experience working with AFG - Strong lender policy and scenario knowledge