Job description
Join Australia’s largest mortgage aggregator and unlock new opportunities!
Schedule: Monday - Friday (06:00 AM to 03:00PM PHT)
A Credit Analyst is highly responsible for assessing the creditworthiness of a commercial borrower seeking mortgage loans or financing for commercial real estate and other assets. Their role is essential in helping financial institutions manage risk and make informed lending decisions in the commercial real estate sector
What are we looking for?
Skills Required:
- Bachelor’s degree in finance, accounting, economics, business administration, or a related field.
- Minimum of 3 years’ experience in credit analysis or a similar role within the mortgage or finance industry.
- Experience in using any of the following: MyCRM, Infynity, Mercury Nexus, Flex, Salestrekker or other CRM Software in the mortgage broking industry
- Proficient in using financial analysis tools.
- Strong understanding of Commercial or Residential Loans.
- Has a strong understanding of various income streams and is confident in income calculations. for PAYG, Self-employed and company and trust structures.
- Knowledgeable in using lenders’ servicing calculators
What will you do?
- Analyze creditworthiness of residential & commercial borrowers, including evaluation of financial statements and cash flow projections.
- Assess risks associated with mortgage loan applications, focusing on borrower’s financial stability and collateral quality.
- Conduct valuations of collateral assets, including real estate and equipment.
- Evaluate borrowers’ business financial statements to determine cash flow sufficiency for debt repayment.
- Consider economic and industry factors affecting borrower’s repayment ability, including market trends.
- Collaborate with loan officers to structure loan terms that balance borrower needs and credit risk.
- Ensure compliance with relevant lending regulations.
- Communicate credit decisions and recommendations for improving creditworthiness to stakeholders.
- Recommend risk mitigation strategies to manage credit risk effectively.
- Stay informed on commercial real estate market conditions and regulatory changes in lending practices.
Join the awesome team and enjoy these benefits & perks:
An exciting opportunity to work with largest and most progressive aggregator group across Australia and New Zealand supporting a community of over 6,000 brokers and advisers.
- Offers one-month onsite paid training program, to help you get up to speed and excel in your role.
- Flexible Work Set up: Work from Home or Hybrid or on-site.
- Competitive salary package and annual performance review, monthly rewards and recognition program.
- Opportunity to attend events and travel to Australia.
- Chance to earn your CERT IV in Mortgage Broking and Finance, which could be a great way to upskill and advance your career.
- Access to knowledge base tools, resource center and training library.
Financial Perks:
- Access to a Financial Assistance Program through one of the leading FinTech Company in Philippines.
- Earn as much as PHP 21,000 referral bonus - help a friend land a job and get rewarded.
Work-Life Integration and Perks:
- Regular company-wide events, engagement activities, and a culture that values work-life balance
- Employee-wellbeing Office Facilities (Gym, Wellness Room, Childcare Facility, Entertainment Room, World-class Training Rooms)
- Cafeteria with affordable food concessionaire partners.
- Complimentary coffee and ice cream every day.
- Sleeping Quarters and Shower rooms for comfort and convenience.
Prime Location
- Conveniently located at Mega Tower, EDSA — the heart of Metro Manila
JOIN CONNECTOS NOW!
ConnectOS is certified as a Great Place to Work and is a top-rated Philippines employer of choice.
Our client is the largest and most progressive aggregator group across Australia and New Zealand supporting a community of over 6,000 brokers and advisers. Helping over 300,000 customers settle over $130 billion worth of loans in 2022 and reaching a collective loan book of $350 billion.
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Equal Employment Statement
Employment decisions at ConnectOS will be conducted without consideration of factors such as age’, race, color, religion, gender, disability status, sexual orientation, gender identity or expression, genetic information, and marital status. ConnectOS ensures the full confidentiality of the data it processes.
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