Senior Credit Analyst

• Lead end-to-end credit assessments across a diverse client portfolio
• Complete complex servicing calculations for PAYG, self-employed, and mixed-income clients
• Independently structure loans aligned with client strategy, tax considerations, and lender policy
• Assess complex lending scenarios involving discretionary trusts, unit trusts, corporate trustees, SMSF lending and LRBA structures, multiple entities, guarantors, securities, investment strategies, portfolio strategies, and debt recycling
• Use Mercury to assess servicing and policy suitability
• Conduct lender policy comparisons and recommend optimal credit solutions
• Prepare and review lender-ready submissions for accuracy, compliance, and strategy
• Guide Brokers on lender selection and structuring considerations
• Identify and address credit risks before submission
• Manage complex conditions, credit escalations, and lender queries
• Ensure applications meet NCCP, compliance, and internal quality standards
• Maintain credit notes, servicing worksheets, and file documentation
• Maintain accurate records across CRM, Asana, and internal systems
• Review task statuses, timelines, and handovers for credit-related workflows
• Prepare lending summaries and technical credit reports as required
• Contribute to credit assessment frameworks, SOPs, and templates
• Identify and implement efficiency improvements within credit workflows
• Provide technical guidance and informal mentoring to junior credit team members
• Collaborate with Mortgage Brokers, Advisers, and Client Onboarding teams
• Support complex client scenarios requiring multidisciplinary input
• Ensure loan files are audit-ready and compliant
• Contribute to projects improving client experience and lending efficiency

• Philippines-based candidate
• Extensive Australian mortgage credit experience at senior level
• Strong expertise in servicing, loan structuring, and policy interpretation
• Proven experience handling complex lending, including Trusts, SMSF, and self-employed clients
• High-level analytical and problem-solving capability
• Exceptional attention to detail and accuracy
• Strong time management and prioritisation skills
• Clear, confident, and professional communication
• Ability to operate autonomously in a remote environment
• Client-first mindset with a strong compliance focus
• Proactive leadership mindset and commitment to continuous improvement
• Experience supporting or mentoring junior credit staff is advantageous
• Windows desktop or laptop (Windows 7 or above) or Mac (OS 10.8 or above)
• Working webcam and headset with microphone
• Stable wired internet connection
• Backup internet connection (pocket WiFi or mobile broadband)
• Quiet and professional home working environment
• Successful candidates must disclose any existing ongoing roles or client work
• Successful candidates must reflect this engagement on their LinkedIn profile as “Independent Contractor”
• Ability to align with Australian business hours, approximately 9 AM–5 PM, Monday to Friday

• 100% remote work from home
• Flexibility in how you manage your time as an independent contractor
• Career progression opportunities
• Long-term role
• Backup internet connection equipment may include pocket WiFi or mobile broadband