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

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

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