Position: Credit Analyst
Salary: PHP 80,000 - 115,000/mo
Working Hours & Conditions: Aligned with Australian hours; full-time (remote)
Holidays: AU Holidays
ABOUT THE CLIENT:
The client is a premier Australian mortgage brokerage with a strong operational presence in Queensland and Victoria, serving clients nationwide. Founded on over two decades of industry expertise, the firm specializes in a comprehensive suite of financial services, including residential home loans, investment lending, refinancing, and first-home buyer guidance. Positioned as a high-level professional resource similar to a solicitor or financial planner, the company is dedicated to making the lending market straightforward and accessible. By leveraging a broad network of lenders and prioritizing transparency, they focus on delivering tailored outcomes that provide clients with long-term financial peace of mind.
OVERVIEW:
We are looking for a high-caliber Credit Analyst to serve as a technical engine within the credit team. This role is not merely about data entry; it requires a strategic mindset to navigate the intricate landscape of Australian lender policies, analyze complex self-employed structures, and engineer loan submissions that maximize approval outcomes. You will be the bridge between client financial data and successful settlement, ensuring every scenario is matched with the optimal lender niche.
RESPONSIBILITIES:
Credit Assessment & 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
- Use Quickli to assess borrowing capacity
Lender Policy & Niche Expertise (Critical):
- Develop a deep understanding of individual lender credit policies and niches
- Identify which lenders are best suited for each scenario based on their policy strengths and risk appetite
- Apply lender-specific rules such as:
- Overtime treatment (100% vs shading)
- Self-employed requirements (e.g. 1-year vs 2-year financials)
- Income verification variations
- Understand and utilise lender niches such as:
- ANZ – ability to consider 1-year self-employed financials in certain scenarios
- Macquarie Bank – policy allowing no financials/accountant letters when company income is not being used
- Stay up to date with lender policy changes and proactively apply them to scenarios
- Use policy knowledge strategically to structure deals for approval, not just assessment
Self-Employed & Complex Income Analysis:
- Analyse self-employed clients across structures including:
- Sole traders
- Partnerships
- Companies
- Trusts (including complex/multiple trust structures)
- Interpret financial documents such as:
- Tax returns
- Financial statements
- Notices of assessment
- Accurately extrapolate income and normalise earnings
- Understand how to trace business income back to the individual applicant(s)
- Identify add-backs, one-off expenses, and sustainability of income
- Apply lender-specific rules for self-employed income assessment
SMSF Lending (Desirable Knowledge):
- Understand the fundamentals of Self-Managed Super Fund (SMSF) lending
- Identify required documentation for SMSF loan applications, including:
- Trust deeds
- Financial statements
- Compliance documents
- Support occasional SMSF scenarios where required
Loan Structuring & Submission:
- Prepare strong, well-structured loan submissions to maximise approval chances
- Draft detailed submission notes tailored to each lender
- Build and present lender scenarios to BDMs for policy confirmation
- Package deals in line with lender expectations and credit appetite
Policy & Compliance:
- Maintain a strong understanding of Australian lending policies
- Know where to locate and how to interpret lender policies
- Ensure all applications meet compliance requirements (including BID standards)
- Identify risks that may impact approval outcomes
Credit & Financial Analysis:
- Analyse bank statements to identify undisclosed debts or liabilities
- Conduct and interpret credit checks
- Understand credit scoring (good vs poor profiles and red flags)
- Identify issues that may delay or decline applications
Client & Lender Communication:
- Liaise with lenders, credit teams, and BDMs
- Clearly communicate scenarios and follow up on applications
- Maintain professional, clear, and confident spoken English
Additional Responsibilities:
- Assist with loan processing when required
- Conduct pricing negotiations with lenders
- Order and manage property valuations
- Understand and assess eligibility for Australian first home buyer schemes and grants
- Collaborate with internal team members and contribute feedback
Requirements
Essential Experience:
- Minimum 5+ years’ experience as a Credit Analyst (Australian mortgage or banking)
- Strong experience with Australian mortgage lending
- Proven ability to interpret and apply lender policy
- Experience running servicing calculators across multiple lenders
Highly Desirable:
- Experience with:
- Connective
- Mercury Nexus
- Go Hi Level (CRM Automation)
- AI - ChatGBT and the like
- Exposure to:
- Self-employed and complex lending scenarios
- Trust structures and company income analysis
- SMSF lending
- Demonstrated understanding of lender niches and policy differences
Technical Skills:
- Advanced financial analysis skills
- Strong understanding of:
- Income verification (payslips, overtime, allowances)
- Self-employed income assessment
- Credit reports and scoring
- Bank statement analysis
- Ability to identify risks and structure deals accordingly
Soft Skills:
- Excellent verbal and written English communication
- Confident speaking with lenders and BDMs
- High attention to detail
- Proactive and solutions-focused mindset
- Open to feedback and continuous improvement
- Team-oriented with a “hands-on” attitude
What Success Looks Like:
- High-quality submissions with strong approval rates
- Accurate and efficient credit assessments (including complex scenarios when required)
- Ability to match clients to the right lender based on niche and policy advantages
- Clear and effective lender communication
- Strong compliance track record