# Senior Credit Analyst - 229

> D2B · Metro Manila, Philippines (Remote) · Full-time · Posted 2026-05-13

**Salary:** unknown currency 80,000–105,000

**Workplace:** remote

**Department:** RecOps

## Description

**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.

## Apply

[Apply at D2B](https://apply.workable.com/d2b-1/j/D8E38FB615/apply)

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