Credit Analyst (Australian Mortgage) - Remote

Position: Credit Analyst

Salary: PHP 70,000 - 80,000 per month

Working Hours & Conditions: Aligned with Australian hours; full-time (remote)

Holidays: AU Holidays

OVERVIEW:

The Credit Analyst will be the backbone of the client’s loan processing operation. Working remotely from the Philippines, this person will independently assess client financials, run serviceability modelling, structure deals, and prepare complete application packs ready for lender submission. The role demands someone who can operate without hand-holding and is highly familiar with the Australian lending landscape — particularly residential owner-occupier and first home buyer scenarios.

RESPONSIBILITIES:

• Review client financial profiles: income, liabilities, assets, credit history, and borrowing capacity
• Run serviceability calculations across multiple lenders to identify the best fit for each client
• Prepare full credit submissions including supporting narratives for PAYG, casual, and selfemployed scenarios
• Identify optimal lender and product based on client profile, first home buyer eligibility, and deal structure
• Verify income documents: payslips, tax returns, NOAs, and employment contracts
• Flag deal risks early and advise Joshua on structure, lender selection, or alternative approaches
• Complete loan writing and prepare application packs ready for lodgement via ApplyOnline or Simpology
• Manage conditional approvals — track conditions, liaise with lenders, and ensure timely clearance
• Maintain compliance documentation: fact finds, needs analysis, file notes, and credit justifications
• Liaise with clients, conveyancers, and real estate agents to progress deals through to settlement
• Update deal statuses in CRM (MyCRM or equivalent) and keep the pipeline current
• Support first home buyer clients with clear explanations of their borrowing position and next steps

QUALIFICATIONS:

• 4–5 years experience in Australian mortgage broking support, bank credit assessment, or lending operations
• Strong working knowledge of APRA lending guidelines, HEM benchmarks, and responsible lending obligations
• Hands-on experience with ApplyOnline, Simpology, or equivalent lender lodgement platforms
• Hands-on experience with MyCRM — this is the CRM used daily and is non-negotiable
• Experience running serviceability models across major Australian banks and non-bank lenders
• Ability to write clear, well-structured credit submissions independently
• Solid understanding of first home buyer grants, LMI waivers, and government scheme eligibility (FHLDS, HGS)
• Excellent written English — able to draft professional lender correspondence without supervision
• Detail-oriented, highly organised, and capable of managing 10–20 active deals simultaneously
• Self-directed — comfortable working autonomously in a remote setup with minimal oversight