Senior Credit Analyst (Remote, Australian Hours)

About the role

D2B is hiring a Senior Credit Analyst in Metro Manila, working full-time on Australian hours remotely. The role goes beyond data entry to provide high-level technical analysis and processing support, managing complex files such as SMSF and self-employed structures while keeping lenders and Business Development Managers informed. The salary is PHP 80,000 - 105,000 per month, with Australian holidays.

Key responsibilities

• Analyse client financials (payslips, income structures, employment type) and calculate base income, overtime and variable earnings
• Interpret lender policies to determine borrowing capacity and run and compare lender servicing calculators in Quickli
• Develop lender policy expertise, negotiate pricing with lenders and order/manage property valuations
• Analyse self-employed clients across sole traders, partnerships, companies and complex trusts, normalising earnings from tax returns and financial statements
• Lead SMSF checks and gather required documentation such as trust deeds and compliance documents
• Process loans in AFG and Broker Engine, manage KYC and lender documentation, and draft compliance comments in Credit Proposals
• Prepare well-structured loan submissions and liaise with lenders, credit teams, BDMs and clients

Required profile

• At least 5 years' experience as a Credit Analyst (mortgage or banking)
• Extensive experience with Australian mortgage lending
• Proven ability to interpret complex lender policies independently and experience with AFG and Broker Engine
• No trainee-level supervision needed; a senior, hands-on profile
• Excellent spoken and written English

Required skills

• Bank statement analysis and income verification
• Quickli and lender servicing calculators
• CRM automation (e.g. Go High Level) and AI tools such as ChatGPT are highly regarded