Credit Analyst

Manila City, Metro Manila
Contract
Full-time

14 hours ago
Apply easily

Position: Credit AnalystSalary: PHP 90,000 - 119,000/moWorking Hours & Conditions: Aligned with Australian hours; full-time (remote)Holidays: AU HolidaysABOUT THE COMPANY:The client is a leading mortgage and finance brokerage based in Parramatta/Concord, Sydney. They specialise in delivering strategic lending solutions across the Australian property market.With over 1,000 successful transactions and hands-on experience as property investors, they work with a broad panel of lenders to structure tailored finance solutions for:

First-home buyers
Experienced property investors
Self-employed clients

Their mission is simple – to simplify complex lending and help clients build long-term wealth through smart financial strategies and ongoing partnerships.OVERVIEW:We are looking for an experienced Senior Credit Analyst to become a key driver of the client's operations.This is not a junior processing role. You will play a strategic, client-focused role where your expertise directly influences deal outcomes. We are seeking someone who understands the “why” behind credit decisions, not just the process.You will take ownership of the end-to-end loan lifecycle, from structuring and assessment through to submission and approval, working on a wide range of complex lending scenarios including:

Self-employed lending (Full-doc & Alt-doc)
Refinancing, equity releases, and portfolio expansion (4+ properties)
SMSF lending
(Bonus) Exposure to commercial lending or asset finance

RESPONSIBILITIES:

End-to-End Loan Ownership:

Manage the full credit process within MyCRM
Structure applications in line with aggregator (Loan Market) and lender requirements
Strategic Credit Analysis:

Assess client financials, servicing capacity, and risk profiles
Recommend optimal lending strategies and products
Compliance & Quality Assurance:

Perform detailed checks on all documentation
Ensure accuracy and minimise rework or lender queries
Lender & Stakeholder Management:

Liaise with a panel of 40+ lenders
Navigate policy nuances and advocate for approvals
Process Improvement:

Identify inefficiencies and implement scalable workflows
Contribute to operational growth and efficiency
Team Support & Mentorship:

Guide junior team members and VAs
Act as the escalation point for complex scenarios

BenefitsQUALIFICATIONS:

Relevant Experience:

4+ years in the Australian mortgage broking industry
Educational Background:

Degree in Finance, Accounting, Business, or a related field
Strong Critical Thinking:

Ability to interpret the full financial picture beyond checklists
Excellent Communication Skills:

Clear, professional English (written & verbal)
Ability to explain complex lending scenarios simply
High Level of Independence:

Self-driven and confident in decision-making
Able to manage workload without constant supervision
Exceptional Attention to Detail:

A precision mindset — accuracy is non-negotiable
Technical Expertise (Essential):

Advanced experience with MyCRM
Strong familiarity with Loan Market aggregator systems
Deep understanding of Australian lending policies and servicing calculators
Reliable Remote Setup:

Stable high-speed internet and dependable work environment aligned with AEST hours

Why Join Us?

Work with a high-performing, growth-focused brokerage
Exposure to complex, high-value deals (not just basic processing)
Opportunity to play a key role in scaling the business
Long-term career growth with a strategic, forward-thinking team

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