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Open nowPosted 144 days ago

Senior Credit Analyst - 229

Workable (global search)108,016 open roles

Where
Metro Manila, Philippines
Work mode
Remote
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Your applicationOpen nowSenior Credit Analyst - 229Workable (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 144 days ago

Workable (global search) median: 7 days open

The posting

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.
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