Commercial Credit Analyst

3 days ago


Manila, National Capital Region, Philippines ConnectOS Full time

Salary: P50,000 - P90,000 (Monthly Package)

Schedule: Monday – Friday (6:00 AM - 3:00 PM PH Time)

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 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 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 to assess clients' borrowing capacities and ensure loan submissions meet the required policies and compliance requirements.
  • Has 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 the associated assets, such as commercial properties or business assets.
  • Assess the risk associated with the residential & commercial mortgage loan application.
  • Conduct thorough assessments of the collateral (residential & commercial real estate, equipment, or other assets).
  • Analyze the financial statements of the borrower's business.
  • Understand and evaluate the economic and industry-specific factors that may impact the borrower's ability to repay the loan.
  • Collaborate with loan officers and underwriters to structure loan terms and conditions.
  • Ensure compliance with federal, state, and local regulations governing lending.
  • Communicate credit decisions, loan terms, and conditions to borrowers and other stakeholders.
  • Recommend risk mitigation strategies to offset credit risk.
  • Stay informed about commercial real estate market conditions and economic trends.
  • Review and analyze the creditworthiness of residential borrowers.
  • Work closely with Brokers to package the deal before lender submissions.
  • Provide expert guidance on lender policies.
  • Collaborate with brokers to analyze client financial information.
  • Liaise with clients to gather necessary documentation.
  • Prepare comprehensive credit submissions for various lending scenarios.
  • Stay updated on industry trends, lending products, and regulatory changes.

Join the awesome team and enjoy these benefits & perks:

  • Work from Home setup.
  • Competitive salary package and annual performance review.
  • One-month paid training program.
  • Opportunity to attend events and travel to Australia.
  • Chance to earn your CERT IV in Mortgage Broking and Finance.
  • Bi-Annual Vacation Leave credit.
  • 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.
  • Referral bonus program.
  • Regular Company Events, Work Life Balance.

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.

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.

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