# Credit Analyst (Australian Mortgage) - 197

> D2B · Metro Manila, Philippines (Remote) · Full-time · Posted 2026-04-29

**Salary:** unknown currency 95,000–115,000

**Workplace:** remote

**Department:** RecOps

## Description

**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

## Apply

[Apply at D2B](https://apply.workable.com/d2b-1/j/CE6976A256/apply)

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