Senior Credit Analyst (AU Mortgage Experience)

Position: Senior Credit Analyst

Salary: PHP 90,000 - 120,000

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

Holidays: AU Holidays

ABOUT THE COMPANY:

The client is a forward-thinking financial services and mortgage brokerage firm headquartered in Newcastle, New South Wales. Operating with a mission to modernize the lending landscape, the company specializes in providing strategic debt solutions for first-home buyers, seasoned investors, and small business owners across Australia. By leveraging a network of over 60 lenders, they deliver highly personalized expertise in residential mortgages, commercial finance, and asset lending, positioning themselves as a fresh alternative to traditional banking institutions.

OVERVIEW:

You are responsible for structuring, assessing, and submitting loan applications across a wide range of residential lending scenarios. This is not a data-entry role—you are expected to think like a broker and anticipate credit outcomes before submission.

You will work across multiple lenders (including proprietary products), handling deals end-to-end from fact find through to submission and credit support.

RESPONSIBILITIES:

Analyze borrower scenarios (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 risks and propose alternative structures before submission

Liaise with lenders, BDMs, and internal stakeholders

Maintain accurate notes and pipeline in Mercury CRM

Requirements

QUALIFICATIONS:

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

WHAT THE CLIENT IS ACTUALLY LOOKING FOR:

You don’t wait for instructions—you identify issues before they happen

You can structure deals, not just process them

You reduce back-and-forth with lenders by getting it right upfront

PREFERRED SKILLS (nice to have):

SMSF lending exposure

Experience with non-bank / specialist lenders

Originally posted on Himalayas