Senior Credit Analyst
Hunt St
contract
Posted on:
Location Type: Remote
Location: Remote • 🇵🇭 Philippines
Visit company websiteSalary
💰 A$2,000 - A$2,200 per month
Job Level
Senior
About the role
- The Senior Credit Analyst is a specialised offshore position responsible for delivering high-level credit analysis, financial assessment, servicing accuracy and lending policy interpretation.
- Working directly with the Principal Broker, the Senior Credit Analyst manages all technical components of loan assessment across PAYG, contractor, self-employed, trust, company and SMSF borrower profiles.
- This role ensures loan submissions are credit-strong, compliant, lender-ready, accurate and aligned with borrower goals.
- Advanced Income & Financial Analysis
- Analyse PAYG income (base, overtime, allowances, bonuses, commissions)
- Assess contractor income and policy treatment
- Analyse self-employed income across companies, trusts, and sole traders
- Review tax returns, BAS, P&L, balance sheets, and financial statements
- Identify add-backs, adjustments, and financial risks
- Assess rental income, negative gearing, and SMSF income
- Credit Policy Interpretation
- Apply lending policy across major banks and non-banks
- Interpret LMI requirements and credit scoring
- Identify policy gaps and risks
- Recommend lender options based on scenario and policy alignment
- Servicing & Borrowing Capacity
- Run serviceability using Quickli and lender calculators
- Validate buffers, shading, sensitised rates, and HEM
- Identify servicing risks early
- Prepare servicing summaries for the broker
- Submission Preparation
- Prepare lender-ready submissions via LMG Podium and ApplyOnline
- Write credit notes, scenario summaries, and mitigants
- Ensure consistency across CRM, ApplyOnline, and lender documentation
- Follow all lender checklists and document requirements
- Risk, Compliance & Quality Control
- Ensure NCCP, BID, and AML/CTF compliance
- Conduct pre-lodgement checks
- Validate documentation accuracy
- Identify and escalate structural risks
- Lender Liaison & Escalation
- Respond to MIRs
- Liaise with BDMs for policy, pricing, and exceptions
- Provide scenario updates to the Principal Broker
Requirements
- 3+ years Australian mortgage credit experience.
- Experience supporting mortgage brokers (preferred).
- Strong background with self-employed income & complex borrowers.
- Experience handling major & non-bank lenders.
- Proven ability managing MIRs, escalations & exception cases.
- Strong knowledge of Australian residential lending, including lender policies, credit assessments, and document verification.
- Familiar with LMG MyCRM, ApplyOnline, and other loan lodgement platforms (Simpology or lender direct portals).
- Proficient in Microsoft Office, Quickli, AirTable, OneDrive, and Outlook for workflow and communication management.
- Solid understanding of compliance standards including NCCP, BID, AML/CTF, and privacy requirements.
- Excellent attention to detail and ability to manage multiple loan files with accuracy and efficiency.
- Strong written and verbal English skills, confident in liaising with clients, brokers, and lender BDMs.
- Proven ability to prioritize tasks, meet deadlines, and maintain service-level standards in a fast-paced environment.
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
credit analysisfinancial assessmentincome analysiscredit policy interpretationservicing capacity assessmentsubmission preparationrisk managementdocument verificationcompliance standardslender policy knowledge
Soft skills
attention to detailtask prioritizationdeadline managementcommunication skillsclient liaisonproblem-solvingorganizational skillsanalytical skillsteam collaborationadaptability