Senior Credit Analyst - 229

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. 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.