Credit Analyst - Dayshift Remote

Overview

This role involves working as a Credit Analyst with operational ownership of the credit assessment and deal structuring lifecycle for Australian residential mortgage applications. You will partner directly with the Principal Broker and collaborate with the in-house Loan Processor, stepping in immediately following the client interview via a warm handover to drive applications through to formal approval and settlement.

The position requires strong expertise across complex residential lending scenarios (PAYG, self-employed, trust, and SMSF), hands-on proficiency in Connective Mercury and Quickli, and a robust compliance mindset to ensure quality assurance across every file.

Responsibilities

• Deal Ownership & Warm Handover

  • Assume primary control of client files immediately following the Principal Broker’s discovery interview.
  • Act 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.
  • Benchmark results 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.
  • Execute competitive pricing requests across lender 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 lodgement.

• 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) 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 to refine, document, and enforce internal compliance protocols and file checklists.

• Portfolio Operations & Repricing

  • Review backbook portfolios during operational lulls to execute repricing requests.
  • Identify refinance opportunities and support client retention.

Requirements

• Experience: Minimum 2–3+ years of proven experience as a Credit Analyst or Senior Loan Writer supporting an Australian residential mortgage broking operation.
• Software Proficiency (Non-Negotiable):
  • Advanced, hands-on working knowledge of Connective Mercury CRM and Quickli servicing software.
• Credit Policy Mastery:
  • Deep, up-to-date working knowledge of Australian credit policies, NCCP regulations, and servicing methodologies across major banks, regional lenders, and non-bank specialists.
• Complex File Execution:
  • Demonstrated track record analyzing diverse and complex lending scenarios, including company and discretionary trusts, multi-entity self-employed structures, and SMSF lending.
• Communication & Professionalism:
  • Flawless verbal and written business English.
  • Confidence to communicate directly with clients, credit assessors, and key stakeholders.
• Education:
  • Bachelor’s degree in Finance, Accounting, Economics, Commerce, or equivalent industry certifications (e.g., Cert IV or Diploma in Finance and Mortgage Broking).

Preferred Qualifications

• Prior background in compliance management, file auditing, or credit coaching within an Australian brokerage or aggregator network.
• Experience formalizing SOPs, process workflows, and QA checklists for scaling mortgage operations.
• Demonstrated experience mentoring, peer-reviewing, or delegating administrative workflows to junior processors and support staff.

Compensation & Benefits

• Salary: Php 65,000 to Php 90,000 per month (negotiable based on experience).
• Employment Type: Full Time – Independent Contractor.

Location

• Position Title: Credit Analyst - Dayshift Remote
• Working Hours & Conditions: Monday to Friday, 9:00 AM – 5:00 PM AEST/AEDT, Melbourne Time and Australian Holidays.