Commercial Credit Analyst

3 weeks ago

Metro Manila Philippines Buscojobs Full time

Commercial Credit Analyst (Philippines)

Schedule: Monday - Friday (06:00 AM to 03:00 PM PHT)

A Commercial Credit Analyst is responsible for assessing the creditworthiness of commercial borrowers seeking mortgage loans or financing for commercial real estate and other assets. This role helps financial institutions manage risk and make informed lending decisions in the commercial real estate sector.

Responsibilities
  • Review and analyze the creditworthiness of residential and commercial borrowers and associated assets (e.g., commercial properties, business assets). Evaluate financial statements, cash flow projections, credit reports, and other relevant documents.
  • Assess risk related to mortgage and loan applications, including borrower stability, repayment capacity, and collateral value/quality.
  • Evaluate collateral (residential and commercial real estate, equipment, or other assets) for value and marketability.
  • Analyze borrower business financial statements (income statements, balance sheets, cash flow) to determine ability to generate cash flow to cover debt service.
  • Understand economic and industry factors influencing repayment ability (market trends, competition).
  • Collaborate with loan officers and underwriters to structure loan terms that meet borrower needs while managing credit risk.
  • Ensure lending decisions and documentation comply with applicable regulations governing residential and commercial lending.
  • Communicate credit decisions, loan terms, and conditions to borrowers and stakeholders; provide recommendations to improve creditworthiness when needed.
  • Recommend risk mitigation strategies (personal guarantees, rate adjustments, or covenants) as appropriate.
  • Stay informed about commercial real estate market conditions, economic trends, and regulatory changes affecting credit decisions.
Qualifications
  • Bachelor's degree in finance, accounting, economics, business administration, or related field.
  • Minimum 3 years' experience in credit analysis or a similar role in mortgage or finance.
  • Experience with CRM software in mortgage broking (e.g., MyCRM, Infynity, Mercury Nexus, Flex, Salestrekker) or equivalent tools; proficient in financial analysis tools.
  • Strong understanding of commercial loans and income streams; competent in income calculations (PAYG, self-employed, and company/trust structures).
  • Knowledge of lenders’ servicing calculators to assess borrowing capacity and ensure policy/compliance alignment.
  • Excellent verbal and written communication to convey findings and recommendations to stakeholders.
Benefits & Perks
  • Induction/training program; flexible work setup: work from home, hybrid, or on-site.
  • Competitive salary and annual performance review, monthly rewards program.
  • Events and travel opportunities to Australia; potential for upskilling (CERT IV in Mortgage Broking and Finance).
  • Access to knowledge base tools, training library, and financial assistance programs.
  • Referral bonus program (up to PHP 21,000).
Work-Life and Location
  • Remote-friendly engagement options and wellness initiatives; regular company events supporting work-life balance.
  • Megatower, EDSA – Metro Manila location.

Note: This listing reflects multiple postings for ConnectOS in the Philippines. Some postings indicate region-based eligibility restrictions.

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