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Open nowPosted 158 days ago

Credit Analyst (Australian Mortgage) - 197

Workable (global search)108,016 open roles

Where
Metro Manila, Philippines
Work mode
Remote
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Your applicationOpen nowCredit Analyst (Australian Mortgage) - 197Workable (global search) · Metro Manila, Philippines

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The clock on this job

Early applications get read.

7.9% of postings close within 7 days. Measured by our own scanner across the market. Workable (global search) postings stay open a median of 7 days.

Share of postings closed within
  1. 1.6%1 day
  2. 3.6%3 days
  3. 7.9%7 days
  4. 14.9%14 days
  5. 34.0%30 days
This job: posted 158 days ago

Workable (global search) median: 7 days open

The posting

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
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