# Senior Credit Analyst (AU Mortgage Experience)

**Company:** [D2B](https://jobs.workable.com/companies/dcaVtKQqXr9FwBNppNCBH9.md)
**Location:** Remote
**Workplace:** remote
**Employment type:** Full-time
**Department:** RecOps

[Apply for this job](https://jobs.workable.com/view/aba8cd6d-dcde-4e76-8288-f9785629eba4)

## Description

**Position**: Senior Credit Analyst[](https://www.neofinancegroup.com.au/) 

**Salary**: PHP 90,000 - 120,000

**Working Hours & Conditions** Aligned with Australian hours; full-time (remote)

**Holidays**: AU Holidays  
  

**ABOUT THE COMPANY**: 

The client is a forward-thinking financial services and mortgage brokerage firm headquartered in Newcastle, New South Wales. Operating with a mission to modernize the lending landscape, the company specializes in providing strategic debt solutions for first-home buyers, seasoned investors, and small business owners across Australia. By leveraging a network of over 60 lenders, they deliver highly personalized expertise in residential mortgages, commercial finance, and asset lending, positioning themselves as a fresh alternative to traditional banking institutions.  

**OVERVIEW**:

You are responsible for structuring, assessing, and submitting loan applications across a wide range of residential lending scenarios. This is not a data-entry role—you are expected to think like a broker and anticipate credit outcomes before submission.

You will work across multiple lenders (including proprietary products), handling deals end-to-end from fact find through to submission and credit support.

**RESPONSIBILITIES**:

-   Analyze borrower scenarios (PAYG, self-employed, complex structures)
-   Structure deals across:

-   Refinances
-   Cash-out / equity release
-   Pre-approvals
-   Multi-lender / proprietary products
-   Basic SMSF lending (low volume)

-   Prepare and submit loan applications via **Connective**
-   Complete and manage **MIRs (More Information Requests)**
-   Review supporting documents for completeness and credit strength
-   Identify risks and propose alternative structures before submission
-   Liaise with lenders, BDMs, and internal stakeholders
-   Maintain accurate notes and pipeline in **Mercury CRM**

## Requirements

**QUALIFICATIONS**:

-   4+ years in Australian mortgage broking / credit analysis
-   Strong experience with:

-   Complex deals (not just vanilla PAYG)
-   Refinance and equity release scenarios
-   Pre-approvals and submissions

-   Hands-on experience with:

-   **Connective (non-negotiable)**
-   **Mercury CRM (strongly preferred)**

-   Solid understanding of lender policies and servicing

**WHAT THE CLIENT IS ACTUALLY LOOKING FOR**:

-   You don’t wait for instructions—you identify issues before they happen
-   You can structure deals, not just process them
-   You reduce back-and-forth with lenders by getting it right upfront

**PREFERRED SKILLS (nice to have)**:

-   SMSF lending exposure
-   Experience with non-bank / specialist lenders