Senior Credit Analyst – Australian Mortgage Broking (Cebu, Remote)

5+ years' Australian lending or credit experience | Full-time | Melbourne hoursAlready assessing Australian mortgage files and want to work directly with the broker who submits them? Platinum Package Home Loans is an Australian mortgage brokerage licensed under an Australian Credit Licence. We write residential and commercial loans for owner-occupiers, investors and self-employed clients. We are looking to add to our current Cebu-based team.We are looking for a Senior Credit Analyst. This is a credit role, not a processing or data-entry role. You will be the last set of eyes on a file before it goes to the lender.Who this is forYou have spent at least five years in Australian mortgage lending, credit assessment or a senior parabroker role, and you can do the following without supervision:Read a payslip and work out what a lender will actually accept: base, overtime, allowances, bonus, commission and shift loading, with the right shading and evidence periodWork through self-employed financials, including tax returns, NOAs, financial statements, BAS and company and trust structures, and land on a usable income figureSpot the problems before the lender does: undisclosed liabilities, income that does not reconcile, missing documents, servicing shortfalls, policy exceptionsRun and interpret serviceability across multiple lenders and explain why one lender fits and another does notWrite a clear file note that a broker or assessor can rely onIf you can only do some of this with a broker checking your work, this role is not the right fit yet. We are not offering training into it.What you will doReview and validate client income and financial documentsAnalyse complex PAYG and self-employed incomeAssess borrowing capacity and servicing across lendersIdentify discrepancies, gaps and credit issues early and flag them clearlyResearch lender policy and recommend suitable lending optionsPrepare complete, accurate files for submissionWork directly with the broker to structure complex scenarios: investors, multiple entities, trusts, non-standard incomeTools you will useMyCRM, Quickli, lender portals and policy guides, Microsoft 365. Experience with these is expected. Experience with LMG platforms is a plus.CompensationPHP 80,000 to 90,000 per month, negotiable depending on experiencePaid to you directly, not through an agencyPaid vacation leave and sick leaveWorking arrangementFull-time, remoteMelbourne business hours Reporting directly to the Director and working alongside our existing Cebu teamHow we hireEvery shortlisted applicant completes a practical credit assessment. It covers income analysis, servicing and a complex lending scenario. This is how we confirm the experience on your CV matches what you can do on a live file. There are no trick questions, but there are no shortcuts either.How to applySend your CV and a short note covering:The Australian broker or lender you have worked with and for how longThe most complex file you have assessed and what you found in itWe read every application. However. we will not respond to applicants that do not meet the five-year requirement.