Job Description

Job Title: Parabroker/ Credit Analyst (End-to-End)

Salary: PHP 80,000 to PHP 110,000

Working Hours: Mondays to Fridays; 8:30 AM to 5:30 PM Brisbane Time

Holidays: TBD

We are seeking an experienced Credit Analyst / Parabroker to manage loan files end-to-end from broker handover to settlement.

This is a fully autonomous role supporting one broker. You will drive files forward, manage timelines, analyse income (PAYG and self-employed), assess credit and liabilities, select lenders, coordinate valuations, and ensure compliance, all without micromanagement.

Strong attention to detail, critical thinking, and proactive file management are essential.

Duties and Responsibilities:

End-to-End File Management

• Drive loan files from broker handover through document collection, analysis, submission, settlement, and post-settlement
• Conduct living expense analysis
• Analyse PAYG income including payslips, salary credits, and salary sacrifice arrangements
• Analyse self-employed income (full doc assessment)
• Pull and assess credit files
• Identify liabilities from Fact Find, credit file, and bank statements
• Conduct lender research, policy checks, and product recommendations
• Complete detailed diary notes for internal records and submission

Loan Submission & Processing

• Prepare and package loan applications in Broker Engine
• Order valuations and manage through to completion
• Manage pricing requests
• Liaise with XSource regarding MIRs and loan documents
• Action returned MIRs and documents within expected timeframes
• Track and manage lender conditions

Compliance & Documentation Standards

• Ensure strict compliance with lender policies and internal procedures
• Rename and file all documents according to required naming conventions (no exceptions)
• Save documents in correct folders immediately upon receipt
• Edit all email templates and forms to ensure accuracy before sending
• Ensure specialised documents are collected for complex scenarios (e.g., separation agreements, guarantor documents, bridging requirements)
• Modify document requests to reflect actual deal circumstances (e.g., single applicant vs joint)

Settlement & Timeline Management

• Track finance and settlement dates independently using Broker Engine and/or calendar tools
• Follow up lenders, solicitors, and conveyancers
• Ensure no file remains inactive beyond three days without valid reason
• Escalate issues early and proactively

Requirements

Must Haves:

• At least 3 years of experience as a Credit Analyst or Parabroker (end-to-end processing required)
• Strong understanding of the 5 C’s of Credit and lender credit policy
• Experience analysing PAYG and self-employed income
• Proficiency in CRM systems and Microsoft Office
• Experience using Broker Engine (highly regarded)
• Experience with Quickli and lender servicing calculators
• Experience pulling and analysing credit files
• Knowledge of lender servicing calculators and broker portals
• Experience ordering valuations and managing settlements
• Strong attention to detail and organisational skills
• Excellent written and verbal English communication skills
• Ability to work autonomously and drive files without micromanagement

Nice to Have:

• Prior banking experience
• Experience working with AFG
• Strong lender policy and scenario knowledge