Credit Analyst

Credit Analyst – (100% Remote)

Location: Remote (Philippines)

Employment Type: Full-Time, Direct Contractor

Schedule: Monday – Friday, 8:00 AM – 5:00 PM AEST (6:00 AM – 3:00 PM Philippine Time) –Permanent Australian Day Shift (No night or weekend shifts)

Salary: Negotiable based on relevant AU lending experience + performance incentives + 13th-month pay

About the Role

We are a growing Australian mortgage brokerage seeking an experienced, detail-oriented Offshore Credit Analyst to join our team.

In this role, you will work directly with our Australian brokers to analyse client financials, calculate borrowing capacity across major and non-bank lenders, package compliant loan files under Best Interests Duty (BID), and manage applications through to formal approval and settlement.

Key Responsibilities

• Financial Analysis & Servicing: Review and verify PAYG payslips, Tax Returns, Notices of Assessment (NOAs) and complex Business Financials. Run servicing across multiple lender calculators and compare scenarios.
• Living Expense & Account Verification: Conduct thorough bank statement analysis (verifying ongoing liabilities, undisclosed debts, and living expenses against HEM benchmarks).
• Loan Packaging & Submission: Build compliant deal structures, package supporting document checklists, and lodge loan applications directly through ApplyOnline (NextGen.Net) and Loanapp.
• CRM Management: Maintain accurate file records, track milestones, and update deal statuses in our CRM (MyCRM by LMG).
• Lender & File Tracking: Liaise with bank business development managers (BDMs) and credit assessors to clear outstanding conditions, push MIRs (More Information Required), and track files through unconditional approval and settlement.
• Compliance: Ensure all files meet the National Consumer Credit Protection (NCCP) Act standards, Best Interests Duty (BID) compliance, and responsible lending guidelines.

Required Qualifications & Experience

• Minimum 2+ years of hands-on experience packaging and assessing residential and commercial credit files specifically for Australian mortgage brokerages or lenders.
• Proficiency in core Australian broker technology:
• Application Lodgement: ApplyOnline (NextGen) and/or Loanapp.
• Broker CRM: Experience with MyCRM (LMG system) and Quickli
• Supporting Platforms: CoreLogic RP Data, illion & AI (Gemini)
• In-depth understanding of Australian mortgage types (owner-occupier, investment, LMI thresholds) and lender credit policy tiers (Big 4 vs. second-tier vs. non-bank lenders).
• Exceptional English written and verbal communication skills.
• High attention to detail with an analytical, problem-solving mindset.
• Thrive on being part of a team environment

Home Office & Technical Requirements

• Dedicated, quiet home office environment conducive to focused work and confidential financial data handling.
• Primary reliable fiber internet connection (minimum 30+ Mbps download/upload) with an active backup internet connection (mobile hotspot/pocket Wi-Fi).
• Secondary power backup solution (UPS / power station) to ensure uninterrupted service during local power outages.
• Modern PC/laptop with webcam, headset, and dual-monitor setup (or willingness to set up dual monitors).

What We Offer

• True Day Shift: Enjoy standard Australian business hours with evenings and weekends completely free.
• Stable, Long-Term Position: Direct role with our brokerage (not a short-term BPO account that risk-rolls you).
• Australian Public Holidays & Leave: Paid time off aligned with Australian / Philippine public holidays + standard annual and sick leave entitlements.
• 13th-Month Pay: Annual bonus paid at the end of the year.
• Professional Growth: Direct collaboration with experienced Australian brokers, ongoing policy training, and potential leadership pathways as our offshore pod grows.

How to Apply

Please apply via LinkedIn with:

1. An up-to-date CV highlighting your specific Australian mortgage brokerage experience.
2. When applying, start your cover note or message with the phrase: 'AU Credit Analyst – [Your First & Last Name] – [Your Preferred CRM, e.g., Mercury]'
3. A brief note listing the Australian CRM/aggregator software and lender portals you are most comfortable using.
4. Include a 60-second video recording (via Loom or a Google Drive link) introducing yourself, outlining your years of Australian mortgage experience, and mentioning which Australian aggregator/CRM software you know best.
5. Include a short, anonymised list or summary of the 3 most complex Australian loan scenarios you assessed in the last 12 months (e.g. self-employed complex trust structure, SMSF purchase, construction with high LVR) and which lender you placed them with.