Job Opportunities API

Position : Credit Analyst Salary : PHP 95,000 - 115,000/month Working Hours & Conditions : Aligned with Australian hours; full-time (remote) Holidays : AU Holidays ABOUT THE COMPANY :  The client is a premier, client-focused mortgage brokerage headquartered in the Sutherland Shire, New South Wales, serving families and individuals across Australia. Operating as a trusted partner in the residential finance sector, the firm specializes in navigating the complexities of the mortgage market to deliver tailored lending solutions. With a core expertise in mortgage comparison, loan pre-approval, and strategic refinancing, the company leverages a robust network of over 30 lenders to ensure clients secure competitive rates and structures that align with their long-term financial goals. OVERVIEW : We’re looking for a strategic Credit Analyst in the Australian Mortgage space who can turn client data into clear, accurate, and decision-ready recommendations. RESPONSIBILITIES : File Assessment : Review fact find and supporting documents Servicing : Run lender servicing scenarios across relevant lenders Living Expenses : Analyse actual expenses versus HEM benchmarks Policy Fit : Assess lender suitability based on current policy Structuring : Recommend optimal loan and lender combination Credit Summary : Produce standardised, decision-ready output for broker File Handover : Hand over to processor and check AOL/CRM entries before submission Pricing Requests : Run pricing requests as required Requirements QUALIFICATIONS : Proficient in Broker Engine — required for file review, handover and pre-submission checks Minimum 3 years experience in the same role for a mortgage broker — bank-side experience alone is insufficient due to limited lender breadth Broad lender exposure — must know policy and servicing for major, second and third-tier lenders Proficient in Quickli for servicing scenarios Ability to interpret PAYG and self-employed financials; trust and SMSF experience highly regarded Strong working knowledge of living expenses analysis for serviceability purposes Extensive AOL experience — required to act as a checkpoint on processor submissions, even though the analyst will not lodge applications directly Solutions-oriented — able to identify issues and recommend the appropriate lender or structure Attention to detail — picks up inconsistencies such as income mismatches, payslips not reconciling with YTD figures, understated living expenses, or liabilities missing from fact find versus credit report Able to produce clear, concise recommendations to the broker and a clean handover pack for submission Solid English and communication skills — will periodically liaise with bank BDMs to clarify scenarios or policy Complex lending experience (trust, SMSF) advantageous to support new client acquisition