Position: Credit Analyst - Dayshift Remote

Salary: Php 65,000 to Php 90,000/ monthly (negotiable based on experience)

Working Hours & Conditions: Monday to Friday, 9:00 AM – 5:00 PM AEST/AEDT, Melbourne Time and Australian Holidays

Employment: Full Time - Independent Contractor

ABOUT THE COMPANY:

The company is an Australian mortgage broking business dedicated to helping clients secure tailored lending solutions with clarity and confidence. The firm partners closely with an extensive panel of major and non-major lenders to support clients across residential home loans, refinancing, and specialized debt structures. Driven by rigorous compliance standards, operational efficiency, and high-touch service, the company delivers a seamless, transparent borrowing experience from initial discovery through to settlement and ongoing portfolio management.

OVERVIEW:

The company is seeking an exceptional, highly analytical Credit Analystto take operational ownership of the credit assessment and deal structuring lifecycle. Partnering directly with the Principal Broker and collaborating alongside our in-house Loan Processor, you will step in immediately following the client interview via a warm handover to drive applications from initial analysis through to formal approval and settlement.

This role requires deep expertise across complex residential lending scenarios (PAYG, self-employed, trust, and SMSF), rigorous hands-on proficiency in Connective Mercury and Quickli, and a robust compliance mindset to safeguard quality assurance across every file.

RESPONSIBILITIES:

• Deal Ownership & Warm Handover: Assume primary control of client files immediately following the Principal Broker’s discovery interview; serve as the central operational point of contact for customer inquiries and supplementary document collection.
• Credit Assessment & Servicing Analysis: Complete end-to-end borrowing capacity calculations using Quickli and individual lender servicing calculators; analyze complex income structures (including self-employed financials, corporate trusts, and SMSFs) and benchmark against policy across major and non-major lenders.
• Loan Structuring & Scenario Presentation: Formulate and present the top 3 tailored lending solutions for broker sign-off, order upfront property valuations, and execute competitive pricing requests across panels.
• Broker Notes & Application Packaging: Draft comprehensive, end-to-end Broker Notes and credit compliance narratives; ensure all qualitative and quantitative risk factors are addressed before lodge.
• Lender & Pipeline Management: Liaise directly with lender credit assessors, credit coaches, and BDMs to overturn conditions, clarify policy nuances, and accelerate MIRs (More Information Required) through to formal unconditional approval.
• Collaborative Pipeline Support: Oversee and quality-check the Loan Processor’s input into ApplyOnline (AOL) and Mercury CRM; guide the file through unconditional approval, loan document signing, and settlement milestones.
• Quality Assurance & Compliance Oversight: Conduct thorough pre-submission audits against BID (Best Interests Duty) and responsible lending standards; collaborate with leadership to refine, document, and enforce internal compliance protocols and file checklists.
• Portfolio Operations & Repricing: Proactively review backbook portfolios durin