# Credit Analyst (Australian Mortgage) - 197 at D2B

- Company: D2B
- Location: Metro Manila, Metro Manila, Philippines (remote)
- Places: Metro Manila, Remote, Philippines
- Posted: 2026-04-29
- Apply: https://apply.workable.com/d2b-1/j/CE6976A256/
- Page: https://ye.saranatour.dev/jobs/credit-analyst-australian-mortgage-197-d2b-kn7b97qmg96e0sc46j8v4jweph8hccxr

## The posting

Credit Analyst (Australian Mortgage) - 197
D2B · Metro Manila, Metro Manila, Philippines

**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