Job Title: Parabroker/ Credit Analyst (End-to-End)Salary: PHP 80,000 to PHP 110,000Working Hours: Mondays to Fridays; 8:30 AM to 5:30 PM Brisbane TimeHolidays: TBDRole 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 ManagementDrive loan files from broker handover through document collection, analysis, submission, settlement, and post-settlementConduct living expense analysisAnalyse PAYG income including payslips, salary credits, and salary sacrifice arrangementsAnalyse self-employed income (full doc assessment)Pull and assess credit filesIdentify liabilities from Fact Find, credit file, and bank statementsConduct lender research, policy checks, and product recommendationsComplete detailed diary notes for internal records and submissionLoan Submission & ProcessingPrepare and package loan applications in Broker EngineOrder valuations and manage through to completionManage pricing requestsLiaise with XSource regarding MIRs and loan documentsAction returned MIRs and documents within expected timeframesTrack and manage lender conditionsCompliance & Documentation StandardsEnsure strict compliance with lender policies and internal proceduresRename and file all documents according to required naming conventions (no exceptions)Save documents in correct folders immediately upon receiptEdit all email templates and forms to ensure accuracy before sendingEnsure 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 ManagementTrack finance and settlement dates independently using Broker Engine and/or calendar toolsFollow up lenders, solicitors, and conveyancersEnsure no file remains inactive beyond three days without valid reasonEscalate issues early and proactivelyRequirementsMust 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 policyExperience analysing PAYG and self-employed incomeProficiency in CRM systems and Microsoft OfficeExperience using Broker Engine (highly regarded)Experience with Quickli and lender servicing calculatorsExperience pulling and analysing credit filesKnowledge of lender servicing calculators and broker portalsExperience ordering valuations and managing settlementsStrong attention to detail and organisational skillsExcellent written and verbal English communication skillsAbility to work autonomously and drive files without micromanagementNice to Have:Prior banking experienceExperience working with AFGStrong lender policy and scenario knowledge
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
