Credit Analyst
New
D
D2BMortgage Lending
Philippines, Aligned with Australian hoursFull-TimeMiddle
Salary70,000 - 80,000 PHP per month
Apply NowOpens the employer's application page
Job Details
- Languages
- English
- Experience
- 4–5 years
Requirements
- 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
- 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
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
- Complete loan writing and prepare application packs ready for lodgement via ApplyOnline or Simpology
- Manage conditional approvals, track conditions, and ensure timely clearance
- Maintain compliance documentation: fact finds, needs analysis, file notes, and credit justifications
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