Senior Credit Analyst​/Parabroker

Position :
Snr Credit Analyst / Para Broker

Salary :
Up to 110,000 PhP per month

Working Hours. :

AU Hours

Holidays :

Public holidays in AU

Our client is an Australian mortgage and finance brokerage based in Morisset, NSW, supporting clients across Lake Macquarie, the Central Coast and Australia-wide. With more than 10 years of experience and access to a broad panel of lenders, the business assists clients across home loans, investment lending, construction, refinancing, commercial lending, asset finance, SMSF lending and more.

They seek an experienced Senior Credit Analyst / Para-Broker with strong Australian mortgage lending knowledge who can take ownership of the technical and analytical work behind loan applications.

This is a senior position requiring someone who can go beyond basic loan processing and data entry. The successful candidate will be confident in assessing complex client financial information, completing servicing calculations, researching lender policies, comparing loan options, identifying potential credit issues, and helping structure applications before submission.

For a suitably qualified and experienced candidate, the role can operate closer to a Para-Broker, providing significant end-to-end support to the brokers while allowing them to spend more time advising clients and generating new business.

Strong Excel capability and experience within Connective’s Mercury platform are particularly important. Connective describes Mercury Nexus as its all-in-one broker platform, incorporating deal workflows, client data gathering, compliance checks and application processes.

• Review client financial information and assess borrowing capacity
• Complete detailed servicing and affordability calculations
• Analyse income, liabilities, living expenses, assets and overall financial position
• Review PAYG, self-employed and more complex income structures
• Analyse payslips, bank statements, tax returns and financial statements
• Calculate and verify income in accordance with lender requirements
• Identify potential servicing, policy or credit issues early in the application process
• Review loan-to-value ratios (LVRs), deposit requirements and other key lending metrics
• Conduct scenario analysis across different lenders and loan structures
• Use Excel extensively for calculations, analysis and loan scenario modelling
  Loan Structuring & Lender Research
• Research lender policies and identify appropriate lending options based on the client’s circumstances
• Compare servicing outcomes and credit requirements across lenders
• Assist brokers with structuring residential and investment lending scenarios
• Review refinance, construction and other lending scenarios where required
• Identify potential policy exceptions or issues requiring broker/BDM discussion
• Prepare clear recommendations and supporting analysis for broker review
• Keep up to date with changing lender policies, servicing requirements and credit criteria
  Para-Broker & Application Support
• Support brokers throughout the loan application process
• Prepare applications and supporting documentation for broker review
• Ensure client files contain the required information before submission
• Assist with preparing compliant and well-supported loan submissions
• Liaise with brokers regarding missing information or potential credit issues
• Assist with lender queries, outstanding conditions and application progression
• Monitor applications from preparation through to approval and settlement where required
• Provide more comprehensive Para-Broker support where qualifications and experience allow
  Mercury / Connective CRM Management
• Maintain accurate client and application records within the Connective Mercury platform
• Enter and verify…