Credit Analyst (Australian Mortgage) - Remote

About this role

Position: Credit Analyst
Salary: PHP 70,000 - 80,000 per month
Working Hours & Conditions: Aligned with Australian hours; full-time (remote)
Holidays: AU Holidays

OVERVIEW:
The Credit Analyst will be the backbone of the client’s loan processing operation. Working remotely from the Philippines, this person will independently assess client financials, run serviceability modelling, structure deals, and prepare complete application packs ready for lender submission. The role demands someone who can operate without hand-holding and is highly familiar with the Australian lending landscape — particularly residential owner-occupier and first home buyer scenarios.

RESPONSIBILITIES:
Review client financial profiles: income, liabilities, assets, credit history, and borrowing capacity
Run serviceability calculations across multiple lenders to identify the best fit for each client
Prepare full credit submissions including supporting narratives for PAYG, casual, and selfemployed scenarios
Identify optimal lender and product based on client profile, first home buyer eligibility, and deal structure
Verify income documents: payslips, tax returns, NOAs, and employment contracts
Flag deal risks early and advise Joshua on structure, lender selection, or alternative approaches
Complete loan writing and prepare application packs ready for lodgement via ApplyOnline or Simpology
Manage conditional approvals — track conditions, liaise with lenders, and ensure timely clearance
Maintain compliance documentation: fact finds, needs analysis, file notes, and credit justifications
Liaise with clients, conveyancers, and real estate agents to progress deals through to settlement
Update deal statuses in CRM (MyCRM or equivalent) and keep the pipeline current
Support first home buyer clients with clear explanations of their borrowing position and next steps
Requirements
QUALIFICATIONS:
4–5 years experience in Australian mortgage broking support, bank credit assessment, or lending operations
Strong working knowledge of APRA lending guidelines, HEM benchmarks, and responsible lending obligations
Hands-on experience with ApplyOnline, Simpology, or equivalent lender lodgement platforms
Hands-on experience with MyCRM — this is the CRM used daily and is non-negotiable
Experience running serviceability models across major Australian banks and non-bank lenders
Ability to write clear, well-structured credit submissions independently
Solid understanding of first home buyer grants, LMI waivers, and government scheme eligibility (FHLDS, HGS)
Excellent written English — able to draft professional lender correspondence without supervision
Detail-oriented, highly organised, and capable of managing 10–20 active deals simultaneously
Self-directed — comfortable working autonomously in a remote setup with minimal oversight