Parabroker/ Credit Analyst (End-to-End) - 082
D2B · Remote
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