Australian Credit Analyst - Remote Opportunity

d2b-1Remote — Manila, Metro Manila, Philippines

Remote Full-time PHP 80K/mo - PHP 115K/mo

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Experience Level

Experience

Qualifications

Must possess a strong analytical mindset, exceptional attention to detail, and the ability to work independently in a remote setting. Proficiency with financial assessment tools and a comprehensive understanding of Australian lending policies is crucial. Previous experience in credit analysis or a related field is highly desirable.

About the job

d2b-1 is seeking a Credit Analyst to join its remote team supporting an Australian mortgage brokerage. This full-time position is based in Manila, working Australian business hours and observing Australian holidays. The brokerage operates across Queensland and Victoria, with over two decades of experience in residential and investment lending, refinancing, and first-homebuyer support.

What You Will Do

Assess client financial documents, including payslips, income breakdowns, and employment types.
Calculate base salary, overtime, and variable income with accuracy.
Interpret and apply lender policies to determine borrowing capacity and recommend suitable loan products.
Use multiple lender servicing calculators to compare scenarios.
Employ Quickli for borrowing capacity assessments.
Align client financial data with appropriate lending options to support successful settlements.

Lender Policy and Niche Expertise

Develop and maintain deep knowledge of various lender credit policies and niche offerings.
Identify the most suitable lenders for each scenario, considering policy strengths and risk profiles.
Apply lender-specific rules, such as:
- How overtime is treated (full vs. shaded)
- Self-employed documentation requirements (1-year vs. 2-year financials)
- Differences in income verification standards
Recognize and utilize lender niches, for example:
- ANZ: Allows 1-year self-employed financials in certain cases
- Macquarie Bank: Accepts no financials/accountant letters when company income is excluded
Stay current with lender policy changes and proactively apply updates to client scenarios.
Use policy expertise to structure deals for approval, not just assessment.

Compensation and Details

Salary: PHP 80,000 - 115,000 per month
Location: Remote (Manila, Metro Manila, Philippines)
Schedule: Full-time, aligned with Australian business hours
Holidays: Australian public holidays observed

About d2b-1

Join a dynamic team at a prominent Australian mortgage brokerage with over two decades of expertise. Focused on client-centric solutions, they strive to make the lending process more accessible and straightforward through transparency and tailored outcomes.

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