AU Mortgage Credit Analyst (Remote)
Philippines-based, Australian business hours: Day-shift - AESTFull-TimeMiddle
Salary not disclosed
Apply NowOpens the employer's application page
Job Details
- Experience
- Minimum 2+ years’ experience
Requirements
- Minimum 2+ years’ experience in Australian mortgage broking or mortgage credit analysis.
- Demonstrated experience structuring investor and complex residential lending scenarios.
- Experience managing loans from submission to formal approval.
- Strong understanding of Australian lending regulations and credit policies.
- Experience working within an Australian mortgage brokerage environment.
- Australian Residential Lending.
- Investor Lending Strategy.
- Credit Assessment & Credit Analysis.
- Loan Structuring & Deal Packaging.
- Serviceability Calculations.
- Lender Policy Interpretation.
- Apply Online.
- Broker Engine.
- AFG (Australian Finance Group).
- FLEX.
- Loan Submission & Lodgement.
- Valuation Review & LVR Assessment.
- Compliance Documentation.
- CRM Systems.
- Pipeline Management.
- Stakeholder Communication (Lenders, BDMs, Brokers).
- 5+ years’ Australian mortgage credit or broking experience (preferred).
- Experience with self-employed, trust, and complex borrower structures (preferred).
- Exposure to offshore team collaboration (preferred).
- Proven track record of high approval rates and minimal file rework (preferred).
Responsibilities
- Structure, package, and manage Australian residential and investor loan applications.
- Analyze borrower financials including income documents, tax returns, financial statements, liabilities, and living expenses.
- Assess serviceability using lender calculators and policy guidelines.
- Structure investor-focused and complex lending scenarios (PAYG, self-employed, multi-entity, trust structures).
- Conduct valuation reviews and assess LVR, risk profile, and credit exposure.
- Align loan scenarios with lender credit policy and appetite.
- Prepare and package compliant loan applications for submission.
- Submit applications via Apply Online, Broker Engine, AFG, and FLEX platforms.
- Liaise with lenders, credit assessors, and Business Development Managers (BDMs).
- Manage application pipeline from submission to conditional and formal approval.
- Respond to lender queries, conditions, and additional document requests.
- Coordinate with brokers, virtual assistants (VAs), and offshore support teams.
- Drive applications toward approval within SLA timeframes.
- Monitor approval rates, turnaround times, and file quality metrics.
- Minimize rework and resubmissions through accurate credit assessment.
- Maintain CRM updates and workflow tracking.
View Full Description & ApplyYou'll be redirected to the employer's site
