Residential Credit Analyst

Schedule Monday - Friday (6:00 AM - 3:00 PM PHT) 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. Qualifications Certificate IV Financing & Mortgage Brokering Bachelor's Degree in a relevant course. 2 years' experience in credit analysis or a similar role within the AU Mortgage Brokering industry. Experience in using aggregators CRM such as MyCRM, Infynity, Mercury Nexus, Flex or Salestrekker or other CRM Software in the mortgage broking industry. Is 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 the lender policies and clients 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. NCCP compliance checks and transcribing 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 a specific policy 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 elevate. Pricing requests across multiple lenders, for new applications and settled loans. Generating comprehensive credit reports and being able to interpret them. Assist in mitigating MIRs, conditional approvals and settlement conditions. Cross‑check approval and settlement document to ensure the details match the clients requirements, per the submission. Stay updated on industry trends, lending products and regulatory changes. Benefits Induction training program for 4 weeks on‑site. One‑month paid training program to help you get up to speed and excel in your role. Work‑from‑home, hybrid or on‑site setup available. 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 centre 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 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 companies in the Philippines. Earn up to PHP 21,000 referral bonus – help a friend land a job and get rewarded. Work‑Life Integration and Perks WFH engagements: remote learning and employee development activities, wellness sessions and health talks, virtual team games and contests (trivia, TikTok, photo challenges). 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 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. 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. #J-18808-Ljbffr