Credit Analyst Commercial

Credit Analyst Commercial (AU Mortgage, WFH)

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Overview

Credit Analyst Commercial (AU Mortgage, WFH)

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

What are we looking for?

• 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 using CRM software in the mortgage broking industry (e.g., MyCRM, Infynity, Mercury Nexus, Flex, Salestrekker).
• Proficient in using financial analysis tools.
• Strong understanding of Commercial Loans.
• Understanding of income streams and income calculations for PAYG, self-employed, and company/trust structures.
• Knowledge of lenders' servicing calculators to assess borrowing capacity and ensure loan submissions meet policies and compliance requirements.
• Excellent verbal & written communication to convey credit analysis findings and recommendations to stakeholders.

Nice To Have

• Certificate IV Financing & Mortgage Brokering.

What will you do?

• Review and analyze the creditworthiness of residential & commercial borrowers and associated assets (e.g., commercial properties, business assets).
• Assess risk for residential & commercial mortgage loan applications, including borrower financial stability, repayment capacity, and collateral quality/value.
• Conduct thorough collateral assessments (residential & commercial real estate, equipment, or other assets).
• Analyze the borrower's business financials (income statements, balance sheets, cash flow) to evaluate ability to generate cash flow for debt service.
• Evaluate economic and industry-specific factors impacting repayment ability (market trends, competitive dynamics).
• Collaborate with loan officers and underwriters to structure loan terms that align with borrower needs while managing risk.
• Ensure lending decisions and documentation comply with applicable regulations governing residential & commercial real estate lending.
• Communicate credit decisions, loan terms, and conditions to borrowers and stakeholders; provide recommendations for improving creditworthiness when needed.
• Suggest risk mitigation strategies (e.g., personal guarantees, rate adjustments, covenants) to offset credit risk.
• Stay informed about commercial real estate market conditions, economic trends, and industry developments.
• Keep up-to-date with changes in residential & commercial lending regulations, credit analysis techniques, and best practices.
• Work closely with Brokers to package deals before lender submissions, ensuring optimal structure aligned with lender policies.
• Provide guidance on lender policies to ensure compliance and optimal loan structuring.
• Collaborate with brokers to analyze client finances in depth and prepare tailored loan recommendations.
• Liaise with clients to gather necessary documentation and clarify financial details.
• Prepare comprehensive credit submissions for a variety of lending scenarios (refinances, purchases, multiple securities, multiple applicants, SMSF, bridging finance).
• Stay updated on residential industry trends, lending products, and regulatory changes.

Benefits

• Induction training program for 3 weeks on-site.
• One-month paid training program to help you get up to speed and excel in your role.
• Work setup options: Work from Home, Hybrid, or on-site.
• Competitive salary package and annual performance review, monthly rewards and recognition program.
• Opportunities to attend events and travel to Australia.
• Chance to earn your CERT IV in Mortgage Broking and Finance.
• Access to knowledge base tools, resource center and training library.
• HMO Coverage up to 2 free dependents (Medical, Dental and Group Life insurance) on Day 1
• Mandatory Government Benefits and 13th Month Pay
• Leave credits and convertible to cash of unused sick leave, paid quarterly.
• Access to Emergency and Bereavement Leave

Financial Perks

• Access to a Financial Assistance Program through one of the leading FinTech Company in Philippines.
• Earn up to PHP 21,000 referral bonus.

Work-Life Integration And Perks

• WFH engagements: Remote learning and employee development activities, wellness sessions and health talks, virtual team games and contests.
• Regular company-wide events and a culture that values work-life balance.
• Employee wellbeing facilities (gym, wellness room, childcare facility, entertainment room, training rooms).
• On-site cafeteria and complimentary coffee and ice cream.
• Sleeping quarters and shower rooms for convenience.

Location

• Mega Tower, EDSA — the heart of Metro Manila

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.

Seniority level

• Mid-Senior level

Employment type

• Full-time

Job function

• Finance and Sales

Industries

• Outsourcing and Offshoring Consulting

Note: This posting may include multiple location and related roles. End of description.

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