Position: Senior Credit Analyst
Salary: PHP 80,000 - 105,000/mo
Working Hours & Conditions: Aligned with Australian hours; full-time (remote)
Holidays: AU Holidays
OVERVIEW:
As a Senior Credit Analyst, you will go beyond simple data entry to provide high-level technical analysis and processing support. You will manage complex files, including SMSF and self-employed structures, while maintaining proactive communication with lenders and Business Development Managers (BDMs). We are looking for a hands-on professional with the energy and attitude to thrive in a fast-moving environment without the need for foundational training.
RESPONSIBILITIES:
Credit Assessment & Senior Scenario Analysis
- Analyse client financials including payslips, income structures, and employment types.
- Accurately calculate base income, overtime, and variable earnings.
- Interpret lender policies to determine borrowing capacity and loan suitability.
- Run and compare multiple lender servicing calculators using tools like Quickli.
- Prioritise urgent and/or important tasks effectively to ensure consistent momentum in a fast-paced environment.
Lender Policy & Niche Expertise
- Develop a deep understanding of individual lender credit policies and identify optimal lender niches.
- Apply lender-specific rules for overtime, self-employed requirements, and income verification.
- Use policy knowledge strategically to structure deals for approval, not just assessment.
- Conduct pricing negotiations with lenders and order/manage property valuations.
Complex Income & SMSF Management
- Analyse self-employed clients across structures including sole traders, partnerships, companies, and complex trusts.
- Interpret tax returns, financial statements, and notices of assessment to normalize earnings.
- Lead SMSF-related checks and identify all required documentation, including trust deeds and compliance documents.
Loan Processing, CRM & Compliance
- Execute loan processing support within AFG and Broker Engine.
- Manage KYC (Know Your Customer) protocols and lender documentation requirements.
- Draft detailed compliance comments in Credit Proposals and ensure all applications meet BID standards.
- Prepare strong, well-structured loan submissions with detailed notes tailored to each lender.
- Stay well organised in managing significant workloads, ensuring clear notes and records are kept for every file.
Communication & Team Support
- Liaise with lenders, credit teams, BDMs, and clients.
- Maintain a high level of communication and flexibility when supporting differing mortgage brokers in the team.
- Maintain professional, clear, and confident spoken English.
Requirements
QUALIFICATIONS:
Essential Experience
- Minimum 5+ years’ experience as a Credit Analyst (mortgage or banking).
- Extensive experience with Australian mortgage lending is mandatory.
- Proven ability to interpret and apply complex lender policies independently.
- Demonstrated experience working within AFG and Broker Engine platforms.
- This is a senior role; candidates must be experienced and not require trainee-level supervision.
Technical Skills
- Advanced financial analysis skills and bank statement analysis to identify undisclosed debts.
- Strong understanding of income verification, self-employed assessment, and credit scoring.
- Proficiency in using Quickli and lender-specific servicing calculators.
- Familiarity with CRM automation (e.g., Go High Level) and AI tools like ChatGPT is highly regarded.
Soft Skills & Attitude
- High energy, positive attitude, and comfort in a fast-moving business environment.
- Excellent verbal and written English communication.
- High attention to detail and a proactive, solutions-focused mindset.
- Team-oriented with a "hands-on" attitude and openness to continuous improvement.
What Success Looks Like
- High-quality submissions with strong approval rates and minimal rework.
- Accurate and efficient credit assessments, even for the most complex self-employed or SMSF scenarios.
- Seamless management of file flow and effective communication between all stakeholders.
- A strong track record of compliance and meeting BID standards.