Senior Credit Analyst (AU Mortgage Experience)

Overview

This full-time remote role involves structuring, assessing, and submitting loan applications across a wide range of residential lending scenarios. The position is not a data-entry role—success requires thinking like a broker and anticipating credit outcomes before submission.

Responsibilities

• Analyze borrower scenarios, including:
  • PAYG
  • Self-employed
  • Complex structures
• Structure deals across:
  • Refinances
  • Cash-out / equity release
  • Pre-approvals
  • Multi-lender / proprietary products
  • Basic SMSF lending (low volume)
• Prepare and submit loan applications via Connective
• Complete and manage MIRs (More Information Requests)
• Review supporting documents for completeness and credit strength
• Identify potential risks and propose alternative structures before submission
• Liaise with lenders, BDMs, and internal stakeholders
• Maintain accurate notes and pipeline in Mercury CRM

Requirements

• 4+ years in Australian mortgage broking / credit analysis
• Strong experience with:
  • Complex deals (not just vanilla PAYG)
  • Refinance and equity release scenarios
  • Pre-approvals and submissions
• Hands-on experience with:
  • Connective (non-negotiable)
  • Mercury CRM (strongly preferred)
• Solid understanding of lender policies and servicing

Preferred Qualifications

• SMSF lending exposure
• Experience with non-bank / specialist lenders

Compensation & Benefits

• PHP 90,000 - 120,000

Location

• Working hours aligned with Australian hours
• Full-time (remote)
• Holidays: AU Holidays