About Dashdot

Analyst - Residential Mortgage Credit

Philippines-Based | Remote | Full-Time or Part-Time | 6 Weeks Paid Recreation Leave

Dashdot is an award-winning Australian property investment company on a mission to transform the way the world invests. We help clients build wealth through property, and our Dashdot Finance team plays a critical role in making that happen.

We are looking for an experienced Residential Mortgage Credit Analyst based in the Philippines to support Australian brokers and clients.

This is not a loan processing role. We are seeking someone who has worked in credit within a mortgage lending business and can confidently assess, structure, and recommend lenders.

The Reward:

• Remote role aligned to Australian business hours
• Full-time or part-time flexibility
• Competitive salary based on experience of $26,000 to $28,000 AUD, depending on experience.
• Six weeks paid recreation leave per year
• 10 days paid rest leave if you or a family member is unwell
• Long-term growth within a high-performance team
• Work that directly impacts client outcomes

The Role

• You will assess residential mortgage applications from a credit perspective, determine serviceability and risk, recommend suitable lenders and loan structures, and prepare strong submissions designed for approval.
• Success in this role means delivering:
• • 15 residential loan submissions per month
  • Maintaining a 90% approval rate
• You will work closely with brokers and lenders to ensure files are well-structured, compliant, and strategically positioned.

Your Responsibilities:

• Analyse client financial documents including income, tax returns, bank statements, and credit reports
• Calculate serviceability and assess debt-to-income ratios
• Assess credit risk and identify policy fit across lenders
• Recommend appropriate lenders and loan structures
• Prepare compliant, high-quality residential loan submissions
• Ensure NCCP and aggregator compliance standards are met
• Liaise with brokers and lenders to strengthen approval outcomes
• Maintain accurate records and clear credit notes
  
  

Skills and Qualifications:

Essential:

• Proven experience in credit within a residential mortgage lending business
• Strong knowledge of Australian residential lending policies
• Experience making lender recommendations and structuring deals
• Ability to independently assess serviceability and credit risk
• Residential mortgage experience specifically (not commercial-only)
• Familiarity with tools such as ApplyOnline & Salestrekker
• Strong English communication skills
• High attention to detail and strong analytical ability

Desirable:

• Degree in Finance, Economics, Accounting, or Business or;
• Personal property investment experience

What you need to work with us:

• A working computer or laptop with camera and microphone
• A quiet, dedicated workspace at home

The Culture:
At Dashdot, we operate with freedom and responsibility. You will not be micromanaged, but you will be accountable for outcomes.

We value ownership, accuracy, clear thinking, and high personal standards. We hire people who care about getting it right, not just getting it done.

If you are an experienced residential mortgage credit professional who can structure deals confidently and consistently achieve strong approval outcomes, we would love to hear from you.

Apply now.

The pay range for this role is:
1,058,200 - 1,139,600 PHP per year(Remote (Philippines))
26,000 - 28,000 AUD per year(Remote (Philippines))