Credit Analyst

Salary: P55,000 - P75,000 (Monthly Package) Employment Type: Full-time Location Type: Remote Schedule: Monday – Friday (6:00 AM - 3:00 PM PH Time)

Position Overview

The purpose of a Credit Analyst is to assist Australian mortgage brokers with administrative tasks to prepare, process, and track loan applications. The role requires you to communicate with relative stakeholders, prepare documentation, keep systems and CRMs updated, and follow a loan application from pre-submission to post-approval within required timeframes. This role also requires you to contribute to making the overall customer experience a smooth and streamlined process, working closely with the client and broker to research lenders, products, and policies to suit the client's requirements.

Requirements

• Certificate IV Financing & Mortgage Brokering
• Bachelor's Degree in a relevant course.
• 2+ years of experience in the Australian mortgage broking industry specializing in AU loan processing.
• Experience in using aggregators CRM such as MyCRM, Infynity, Mercury Nexus, Flex, or Salestrekker, or other CRM Software in the mortgage broking industry.
• Proficient in using IT software, Google Workspace, and/or Microsoft Office including Gmail or Outlook.
• Experience using Project/Task Management Tools (Monday.com, Trello, Airtable, Asana, etc.).

Responsibilities

• Closely workshop with brokers to package the deal, ensuring that every submission is structured optimally and aligns with lender policies and client needs.
• Prepare comprehensive credit submissions for a variety of lending scenarios, including but not limited to refinances, purchases, multiple-securities, multiple applicants, SMSF, and bridging finance.
• Liaise with clients to gather necessary documentation and clarify financial details.
• Conduct NCCP Compliance checks and transcribe notes from summaries to detailed responses.
• Understand and interpret complex financials (Self-employed, SMSF, trusts, and company).
• Complete lender servicing calculators and living expense analysis to assess clients' borrowing capacities.
• Research lenders who have specific policies to suit the clients' requirements and provide expert guidance on said policies to ensure compliance and optimal loan structuring.
• Order Valuations based on the information provided by the client, understanding the different types of valuations and communicating with valuation firms to discuss or escalate.
• Handle pricing requests across multiple lenders for new applications and settled loans.
• Generate comprehensive credit reports and be able to interpret them.
• Assist in mitigating MIRs, Conditional Approvals, and Settlement Conditions.
• Cross-check approval and settlement documents to ensure the details match the clients' requirements, per the submission.
• Stay updated on industry trends, lending products, and regulatory changes.

Benefits & Perks

• Induction training program: 4 weeks on-site
• Work Setup: Work from Home, Hybrid, or on-site.
• Competitive salary package and annual performance review.
• Monthly rewards and recognition program.
• One-month paid training program to help you get up to speed and excel in your role.
• Opportunity to attend events and travel to Australia.
• Bi-Annual Vacation Leave credit/allotment convertible to cash of unused sick leave.
• On-Top Leave Credits (Birthday, Emergency, and Bereavement Leave).
• HMO Coverage (Medical, Dental, and Group Life insurance).
• Mandatory Government Benefits and 13th Month Pay.
• Financial Assistance program through one of the leading FinTech Companies in the Philippines.
• Referral bonus program: Earn PHP 21,000 for every successful referral.
• Regular Company Events, Work-Life Balance.
• Complimentary Sleeping Quarters.
• Complimentary Coffee.

Application Instructions

Please refer to the original job posting for specific application instructions.