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

Role Overview:

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

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

Parabroker/ Credit Analyst (End-to-End) - 082