Senior Credit Analyst
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Job Description
Senior Credit Analyst structuring complex Australian mortgage loans for financial advisory clients. Supporting brokers with credit analysis, lender submissions, compliance, and lending workflow improvements remotely from the Philippines.
Responsibilities:
- Lead end-to-end credit assessments across a diverse client portfolio
- Complete complex servicing calculations for PAYG, self-employed, and mixed-income clients
- Independently structure loans aligned with client strategy, tax considerations, and lender policy
- Assess complex lending scenarios involving discretionary trusts, unit trusts, corporate trustees, SMSF lending and LRBA structures, multiple entities, guarantors, securities, investment strategies, portfolio strategies, and debt recycling
- Use Mercury to assess servicing and policy suitability
- Conduct lender policy comparisons and recommend optimal credit solutions
- Prepare and review lender-ready submissions for accuracy, compliance, and strategy
- Guide Brokers on lender selection and structuring considerations
- Identify and address credit risks before submission
- Manage complex conditions, credit escalations, and lender queries
- Ensure applications meet NCCP, compliance, and internal quality standards
- Maintain credit notes, servicing worksheets, and file documentation
- Maintain accurate records across CRM, Asana, and internal systems
- Review task statuses, timelines, and handovers for credit-related workflows
- Prepare lending summaries and technical credit reports as required
- Contribute to credit assessment frameworks, SOPs, and templates
- Identify and implement efficiency improvements within credit workflows
- Provide technical guidance and informal mentoring to junior credit team members
- Collaborate with Mortgage Brokers, Advisers, and Client Onboarding teams
- Support complex client scenarios requiring multidisciplinary input
- Ensure loan files are audit-ready and compliant
- Contribute to projects improving client experience and lending efficiency
Requirements:
- Philippines-based candidate
- Extensive Australian mortgage credit experience at senior level
- Strong expertise in servicing, loan structuring, and policy interpretation
- Proven experience handling complex lending, including Trusts, SMSF, and self-employed clients
- High-level analytical and problem-solving capability
- Exceptional attention to detail and accuracy
- Strong time management and prioritisation skills
- Clear, confident, and professional communication
- Ability to operate autonomously in a remote environment
- Client-first mindset with a strong compliance focus
- Proactive leadership mindset and commitment to continuous improvement
- Experience supporting or mentoring junior credit staff is advantageous
- Windows desktop or laptop (Windows 7 or above) or Mac (OS 10.8 or above)
- Working webcam and headset with microphone
- Stable wired internet connection
- Backup internet connection (pocket WiFi or mobile broadband)
- Quiet and professional home working environment
- Successful candidates must disclose any existing ongoing roles or client work
- Successful candidates must reflect this engagement on their LinkedIn profile as “Independent Contractor”
- Ability to align with Australian business hours, approximately 9 AM–5 PM, Monday to Friday
Benefits:
- 100% remote work from home
- Flexibility in how you manage your time as an independent contractor
- Career progression opportunities
- Long-term role
- Backup internet connection equipment may include pocket WiFi or mobile broadband
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