About this role
Position: 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
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Analyze borrower scenarios (PAYG, self-employed, complex structures)
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Structure deals across:
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Refinances
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Cash-out / equity release
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Pre-approvals
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Multi-lender / proprietary products
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Basic SMSF lending (low volume)
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Prepare and submit loan applications via Connective
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Complete and manage MIRs (More Information Requests)
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Review supporting documents for completeness and credit strength
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Identify risks and propose alternative structures before submission
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Liaise with lenders, BDMs, and internal stakeholders
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Maintain accurate notes and pipeline in Mercury CRM
Requirements
QUALIFICATIONS
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4+ years in Australian mortgage broking / credit analysis
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Strong experience with:
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Complex deals (not just vanilla PAYG)
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Refinance and equity release scenarios
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Pre-approvals and submissions
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Hands-on experience with:
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Connective (non-negotiable)
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Mercury CRM (strongly preferred)
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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