Credit Analyst (Australian Mortgage) - 197

2 days, 3 hours ago
Full-time
Mid Level
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

  • Review fact finds and supporting documents to assess each loan file.
  • Run lender servicing scenarios across relevant lenders.
  • Analyse actual living expenses against HEM benchmarks.
  • Assess lender policy fit and determine suitable lenders for each scenario.
  • Recommend the optimal loan and lender combination based on the file.
  • Produce standardized, decision-ready credit summaries for brokers.
  • Hand over files to the processor and verify AOL/CRM entries before submission.
  • Run pricing requests as required.
  • Liaise with bank BDMs when needed to clarify scenarios or policy.

Requirements

  • Proficiency in Broker Engine for file review, handover, and pre-submission checks.
  • Minimum 3 years of experience as a mortgage broker credit analyst; bank-side experience alone is not sufficient.
  • Broad lender exposure across major, second-tier, and third-tier lenders.
  • Proficiency in Quickli for servicing scenarios.
  • Ability to interpret PAYG and self-employed financials; trust and SMSF experience is highly regarded.
  • Strong working knowledge of living expenses analysis for serviceability purposes.
  • Extensive AOL experience to act as a checkpoint on processor submissions.
  • Solutions-oriented mindset with the ability to identify issues and recommend the right lender or structure.
  • High attention to detail, including spotting income mismatches, unreconciled payslips, understated living expenses, and missing liabilities.
  • Clear English and communication skills for internal broker updates and occasional lender BDM coordination.
  • Complex lending experience involving trust and SMSF structures is advantageous.

Benefits

  • Salary of PHP 95,000 - 115,000 per month.
  • Full-time remote work arrangement.
  • 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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