Australian Credit Analyst - 150

4 hours, 14 minutes ago
Full-time
Senior
Finance and Accounting
D2B

D2B

D2B specializes in connecting Australian businesses with top offshore talent, facilitating the hiring process to help companies scale efficiently and effectively.

Professional Services

Description

  • Analyse client financials, including payslips, income structures, employment types, and bank statements to assess lending suitability.
  • Calculate base income, overtime, variable earnings, and borrowing capacity using multiple lender servicing calculators and Quickli.
  • Interpret and apply Australian lender policies, niches, risk appetite, and policy changes to match each scenario to the best lender.
  • Assess self-employed and complex income profiles across sole traders, partnerships, companies, and trust structures.
  • Review financial documents such as tax returns, financial statements, and notices of assessment to normalise income and identify add-backs or one-off expenses.
  • Prepare well-structured loan submissions, including detailed submission notes, to improve approval chances.
  • Build and present lender scenarios to BDMs for policy confirmation and package deals in line with lender expectations.
  • Maintain compliance with Australian lending requirements, including BID standards, and identify approval risks.
  • Communicate clearly with lenders, credit teams, BDMs, and internal team members throughout the application process.
  • Assist with loan processing, pricing negotiations, property valuations, and first home buyer scheme assessments when required.

Requirements

  • Minimum 5+ years of experience as a Credit Analyst in Australian mortgage or banking.
  • Strong experience with Australian mortgage lending and lender policy interpretation.
  • Experience running servicing calculators across multiple lenders.
  • Advanced financial analysis skills and strong understanding of income verification, self-employed income assessment, credit reports, and bank statement analysis.
  • Ability to identify risks and structure deals accordingly.
  • Excellent verbal and written English communication with confidence speaking to lenders and BDMs.
  • High attention to detail, proactive problem-solving ability, and a team-oriented, hands-on attitude.
  • Highly desirable: experience with Connective Mercury, Nexus, Go Hi Level (CRM Automation), and AI tools such as ChatGPT.
  • Exposure to self-employed and complex lending scenarios, trust structures, company income analysis, and SMSF lending.
  • Understanding of lender niches, policy differences, and SMSF lending documentation requirements.

Benefits

  • Salary of PHP 80,000 - 115,000 per month.
  • Full-time remote role.
  • Working hours aligned with Australian hours.
  • AU holidays observed.

Interested in this position?

Apply directly on the company website

Apply Now

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