Senior Credit Analyst

Hunt St

. Lead end-to-end credit assessments across a diverse client portfolio .

Posted 10/19/2026full-timeRemote • PhilippinesSenior💰 ₱110,000 - ₱140,000 per monthWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive Australian mortgage credit experience with a strong focus on servicing, loan structuring, and policy interpretation. Capable of managing complex lending scenarios while ensuring compliance and accuracy in credit assessments.

Highest-signal resume keywords

Australian Mortgage Credit ExperienceLoan Structuring ExpertiseComplex Lending ManagementAnalytical Problem-Solving SkillsProactive Leadership Mindset

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AssessmentServicing CalculationsLender Policy InterpretationTrusts and SMSF LendingDebt RecyclingCredit Risk IdentificationTechnical Credit ReportingEfficiency Improvement ImplementationCompliance Standards AdherenceCredit Workflow Management

Soft Skills

Attention to DetailTime ManagementProfessional CommunicationClient-First MindsetMentoring and Guidance

Tools & Technologies

MercuryCRM SystemsAsanaWindows Operating SystemMac Operating System

Industry Keywords

NCCP ComplianceIndependent ContractorClient OnboardingMortgage Brokers CollaborationAudit-Ready Loan Files

About the role

Key responsibilities & impact

Lead end-to-end credit assessments across a diverse client portfolio
Complete complex servicing calculations for PAYG, self-employed, and mixed-income clients
Independently structure loans aligned with client strategy, tax considerations, and lender policy
Assess complex lending scenarios involving discretionary trusts, unit trusts, corporate trustees, SMSF lending and LRBA structures, multiple entities, guarantors, securities, investment strategies, portfolio strategies, and debt recycling
Use Mercury to assess servicing and policy suitability
Conduct lender policy comparisons and recommend optimal credit solutions
Prepare and review lender-ready submissions for accuracy, compliance, and strategy
Guide Brokers on lender selection and structuring considerations
Identify and address credit risks before submission
Manage complex conditions, credit escalations, and lender queries
Ensure applications meet NCCP, compliance, and internal quality standards
Maintain credit notes, servicing worksheets, and file documentation
Maintain accurate records across CRM, Asana, and internal systems
Review task statuses, timelines, and handovers for credit-related workflows
Prepare lending summaries and technical credit reports as required
Contribute to credit assessment frameworks, SOPs, and templates
Identify and implement efficiency improvements within credit workflows
Provide technical guidance and informal mentoring to junior credit team members
Collaborate with Mortgage Brokers, Advisers, and Client Onboarding teams
Support complex client scenarios requiring multidisciplinary input
Ensure loan files are audit-ready and compliant
Contribute to projects improving client experience and lending efficiency

Requirements

What you’ll need

Philippines-based candidate
Extensive Australian mortgage credit experience at senior level
Strong expertise in servicing, loan structuring, and policy interpretation
Proven experience handling complex lending, including Trusts, SMSF, and self-employed clients
High-level analytical and problem-solving capability
Exceptional attention to detail and accuracy
Strong time management and prioritisation skills
Clear, confident, and professional communication
Ability to operate autonomously in a remote environment
Client-first mindset with a strong compliance focus
Proactive leadership mindset and commitment to continuous improvement
Experience supporting or mentoring junior credit staff is advantageous
Windows desktop or laptop (Windows 7 or above) or Mac (OS 10.8 or above)
Working webcam and headset with microphone
Stable wired internet connection
Backup internet connection (pocket WiFi or mobile broadband)
Quiet and professional home working environment
Successful candidates must disclose any existing ongoing roles or client work
Successful candidates must reflect this engagement on their LinkedIn profile as “Independent Contractor”
Ability to align with Australian business hours, approximately 9 AM–5 PM, Monday to Friday

Benefits

Comp & perks

100% remote work from home
Flexibility in how you manage your time as an independent contractor
Career progression opportunities
Long-term role
Backup internet connection equipment may include pocket WiFi or mobile broadband