# Senior Credit Analyst - 229 at D2B

- Company: D2B
- Location: Metro Manila, Metro Manila, Philippines (remote)
- Places: Metro Manila, Remote, Philippines
- Posted: 2026-05-13
- Apply: https://apply.workable.com/d2b-1/j/D8E38FB615/
- Page: https://ye.saranatour.dev/jobs/senior-credit-analyst-229-d2b-kn7c3pb63k95v6py9rrq8yn3658hcnk0

## The posting

Senior Credit Analyst - 229
D2B · Metro Manila, Metro Manila, Philippines

**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 an