Senior Credit Analyst/Parabroker

Senior Credit Analyst/Parabroker Metro Manila, Philippines Position : Snr Credit Analyst / Para Broker

Salary : Up to 110,000 PhP per month

Working Hours. : AU Hours

Holidays : Public holidays in AU

About The Client:

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.

As the brokerage continues to grow, they’re looking for an experienced Senior Credit Analyst / Para-Broker who can provide high-level credit and loan-processing support to the brokers.

Role Overview

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.

Requirements

Credit Analysis & Servicing – Primary Focus

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 client financial information Maintain application stages, notes, tasks and supporting documentation Ensure client files remain accurate and complete Use Mercury workflows to maintain visibility across active applications Support compliance and documentation requirements within the platform Ensure brokers have clear visibility over the status and next steps for each application

Connective's platform is specifically designed around mortgage-broker workflows, including deal management, lender comparison, compliance and client data gathering, so prior hands-on experience will be highly valued.

Client & Lender Communication

Communicate with clients to obtain outstanding financial information and supporting documentation Follow up missing documents and application requirements Liaise professionally with lenders and BDMs where appropriate Assist with responding to lender questions and outstanding approval conditions Maintain clear communication with brokers regarding application progress Provide a professional client experience throughout the loan process

Reporting & Pipeline Support

Maintain visibility across active applications and upcoming deadlines Track outstanding documentation, lender conditions and application milestones Assist brokers with pipeline reporting Identify files requiring urgent attention Ensure applications continue progressing and administrative or credit requirements do not cause unnecessary delays

Tools & Systems

Connective Mercury / Mercury Nexus – highly preferred Microsoft Excel – advanced capability essential Microsoft 365 Lender servicing calculators Bank and lender portals Credit and loan comparison tools CRM and mortgage broking platforms

Key Requirements

Significant previous experience as a Senior Credit Analyst, Para-Broker, Mortgage Loan Processor, Credit Assessor or similar Previous experience supporting Australian mortgage brokers or lenders Strong understanding of Australian residential mortgage lending Excellent credit analysis and servicing calculation capability Advanced Excel skills – essential Experience interpreting lender credit policies Ability to assess complex client financial information Experience preparing and progressing mortgage applications Strong attention to detail and numerical accuracy Excellent written and verbal English Strong organisation and ability to manage multiple active applications Ability to operate independently with minimal supervision Commercial mindset with the ability to identify issues and propose solutions rather than simply processing information

Highly Desirable

Previous Connective Mercury experience Previous Para-Broker experience Australian mortgage broking qualifications or relevant finance qualifications Experience across construction, investment and refinance lending Experience assessing self-employed borrowers and complex income structures Experience across multiple Australian lenders and their credit policies Previous direct interaction with lender BDMs and credit teams

What Success Looks Like

The successful candidate will become a high-level technical support person behind the company’s strong backbone, taking ownership of much of the analysis and application preparation that would otherwise consume broker time.

Success will mean:

Accurate servicing and credit calculations Strong lender and policy research Applications being correctly structured before submission Potential credit issues being identified early Mercury records remaining complete and accurate Faster and cleaner application preparation Reduced back-and-forth caused by missing information Brokers spending less time on processing and more time advising clients and growing the business Posted: 2026-08-28