Senior Credit Analyst - 229

Position: Senior Credit Analyst Salary: PHP 80,000 - 105,000/mo Working Hours & Conditions: Aligned with Australian hours; full-time (remote) Holidays: AU Holidays OVERVIEW: As a Senior Credit Analyst, you will go beyond simple data entry to provide high-level technical analysis and processing support. You will manage complex files, including SMSF and self-employed structures, while maintaining proactive communication with lenders and Business Development Managers (BDMs). We are looking for a hands-on professional with the energy and attitude to thrive in a fast-moving environment without the need for foundational training. RESPONSIBILITIES: Credit Assessment & Senior Scenario Analysis - Analyse client financials including payslips, income structures, and employment types. - Accurately calculate base income, overtime, and variable earnings. - Interpret lender policies to determine borrowing capacity and loan suitability. - Run and compare multiple lender servicing calculators using tools like Quickli. - Prioritise urgent and/or important tasks effectively to ensure consistent momentum in a fast-paced environment. Lender Policy & Niche Expertise - Develop a deep understanding of individual lender credit policies and identify optimal lender niches. - Apply lender-specific rules for overtime, self-employed requirements, and income verification. - Use policy knowledge strategically to structure deals for approval, not just assessment. - Conduct pricing negotiations with lenders and order/manage property valuations. Complex Income & SMSF Management - Analyse self-employed clients across structures including sole traders, partnerships, companies, and complex trusts. - Interpret tax returns, financial statements, and notices of assessment to normalize earnings. - Lead SMSF-related checks and identify all required documentation, including trust deeds and compliance documents. Loan Processing, CRM & Compliance - Execute loan processing support within AFG and Broker Engine. - Manage KYC (Know Your Customer) protocols and lender documentation requirements. - Draft detailed compliance comments in Credit Proposals and ensure all applications meet BID standards. - Prepare strong, well-structured loan submissions with detailed notes tailored to each lender. - Stay well organised in managing significant workloads, ensuring clear notes and records are kept for every file. Communication & Team Support - Liaise with lenders, credit teams, BDMs, and clients. - Maintain a high level of communication and flexibility when supporting differing mortgage brokers in the team. - Maintain professional, clear, and confident spoken English. Requirements QUALIFICATIONS: Essential Experience - Minimum 5+ years’ experience as a Credit Analyst (mortgage or banking). - Extensive experience with Australian mortgage lending is mandatory. - Proven ability to interpret and apply complex lender policies independently. - Demonstrated experience working within AFG and Broker Engine platforms. - This is a senior role; candidates must be experienced and not require trainee-level supervision. Technical Skills - Advanced financial analysis skills and bank statement analysis to identify undisclosed debts. - Strong understanding of income verification, self-employed assessment, and credit scoring. - Proficiency in using Quickli and lender-specific servicing calculators. - Familiarity with CRM automation (e.g., Go High Level) and AI tools like ChatGPT is highly regarded. Soft Skills & Attitude - High energy, positive attitude, and comfort in a fast-moving business environment. - Excellent verbal and written English communication. - High attention to detail and a proactive, solutions-focused mindset. - Team-oriented with a "hands-on" attitude and openness to continuous improvement. What Success Looks Like - High-quality submissions with strong approval rates and minimal rework. - Accurate and efficient credit assessments, even for the most complex self-employed or SMSF scenarios. - Seamless management of file flow and effective communication between all stakeholders. - A strong track record of compliance and meeting BID standards.