D2B
Financial Services
CreditAnalyst(AustralianMortgage)
Neural analysis suggests this role is
optimal for Mid candidates.
“Credit Analyst (Australian Mortgage) at D2B. Skills: Australian mortgage broking, Serviceability modelling, Credit submissions. Assess client financials. Run serviceability modelling”
Industry & Context.
Risk identification; Deal structuring
What They're Looking For.
Must Have
4-5 years experience in Australian mortgage broking support, working knowledge of APRA lending guidelines, working knowledge of HEM benchmarks, working knowledge of responsible lending obligations, Hands-on experience with ApplyOnline, Hands-on experience with Simpology, Hands-on experience with MyCRM, Experience running serviceability models, Ability to write clear credit submissions, Solid understanding of first home buyer grants, Solid understanding of LMI waivers, Solid understanding of government scheme eligibility, Excellent written English
Nice to Have
CFA charterholder preferred, CPA preferred, FRM preferred, Series 7 preferred, Series 63 preferred, Series 65 preferred, CAIA preferred, CFP preferred, ACCA preferred, ACA preferred
What You'll Do.
Assess client financials
Run serviceability modelling
Prepare application packs
Review client financial profiles
Run serviceability calculations
Prepare full credit submissions
Identify optimal lender and product
Verify income documents
Advise on lender selection
Advise on alternative approaches
Complete loan writing
Prepare application packs for lodgement
Manage conditional approvals
Ensure timely clearance of conditions
Maintain compliance documentation
Liaise with conveyancers
Liaise with real estate agents
Update deal statuses in CRM
Keep pipeline current
Support first home buyer clients
How You'll Work.
Team & Collaboration
Liaise with lenders; Liaise with clients; Liaise with conveyancers; Liaise with real estate agents
Communication Scope
Written English; Professional correspondence
Full Job Description
**Position** : Credit Analyst **Salary** : PHP 70,000 - 80,000 per month **Working Hours & Conditions**: Aligned with Australian hours; full-time (remote) **Holidays** : AU Holidays **OVERVIEW** : The **Credit Analyst** will be the backbone of the client’s loan processing operation. Working remotely from the Philippines, this person will independently assess client financials, run serviceability modelling, structure deals, and prepare complete application packs ready for lender submission. The role demands someone who can operate without hand-holding and is highly familiar with the Australian lending landscape — particularly residential owner-occupier and first home buyer scenarios. **RESPONSIBILITIES** : * Review client financial profiles: income, liabilities, assets, credit history, and borrowing capacity * Run serviceability calculations across multiple lenders to identify the best fit for each client * Prepare full credit submissions including supporting narratives for PAYG, casual, and selfemployed scenarios * Identify optimal lender and product based on client profile, first home buyer eligibility, and deal structure * Verify income documents: payslips, tax returns, NOAs, and employment contracts * Flag deal risks early and advise Joshua on structure, lender selection, or alternative approaches * Complete loan writing and prepare application packs ready for lodgement via ApplyOnline or Simpology * Manage conditional approvals — track conditions, liaise with lenders, and ensure timely clearance * Maintain compliance documentation: fact finds, needs analysis, file notes, and credit justifications * Liaise with clients, conveyancers, and real estate agents to progress deals through to settlement * Update deal statuses in CRM (MyCRM or equivalent) and keep the pipeline current * Support first home buyer clients with clear explanations of their borrowing position and next steps **Requirements** **QUALIFICATIONS** : * 4–5 years experience in Australian mortgage brok
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