Senior Credit Manager - Australian Mortgage (Broker & Lender Experience)

About the role

The client supports self-employed borrowers through low-doc lending solutions, with deep expertise in non-standard and complex loan scenarios. It is seeking a Senior Credit Manager to lead a high-performing credit unit and act as the final technical authority on complex "grey area" lending, serving as the main advisor to a senior underwriting team on million-dollar loan structures outside traditional banking criteria.

Key responsibilities

• Act as the ultimate authority for complex self-employed scenarios, giving definitive quotes where standard policy is ambiguous
• Manage a team including a Senior Underwriter and a Credit Analyst, mentoring them and giving final sign-off on complex files
• Oversee all credit lodgements to ensure accuracy and high right-first-time approval rates
• Liaise with BDMs and senior credit assessors at 2nd-tier Australian lenders to overturn declines and negotiate conditions
• Ensure the credit team meets internal SLAs for speed and reliability

Required profile

• Extensive experience (8+ years) in an Australian 2nd-tier lender such as Pepper, Liberty or La Trobe
• Proven high Delegated Lending Authority (DLA) and experience leading a credit assessment team
• Nice to have: previous "Credit Coach" or "Scenario Desk" role handling complex commercial-to-residential crossovers

Required skills

• Expert analysis of complex financial structures, including company tax returns, trust distributions and add-back scenarios
• Ability to find viable lending pathways for high-net-worth borrowers
• Nice to have: corporate tax portal knowledge and reconciliation of inter-entity loan accounts

Salary: PHP 130,000 - 180,000 per month; Monday to Friday, 9:00 AM - 6:00 PM AEST, with NSW holidays.