Home Lending Associate

Turning complex lending journeys into clear, confident decisions.

Grow your global career in home lending while staying rooted where you thrive. This role gives you an international opportunity to support real estate financing decisions, influence life-changing milestones, and make your mark in an industry built on precision and trust-all without leaving the Philippines.

Job Description

As a Home Lending Associate, you will manage end-to-end loan processing, assess client needs, prepare compliant lending proposals, analyze financial capacity, coordinate with lenders and partners, and ensure every application progresses smoothly from lodgement to settlement.

Job Overview

Employment type: Full-time

Shift: Day Shift

Work setup: Hybrid (Megatower, Ortigas)

Exciting Perks Await

• Day 1 HMO coverage with free dependent
• Competitive Salary Package
• Hybrid work arrangement
• Prime office location in Ortigas (Easy access to MRT stations, restaurants, and banks)
• Day shift schedule
• Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)
• Unlimited upskilling through Emapta Academy courses (Want to know more? Visit )
• Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer
• Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more)
• Unlimited opportunities for employee referral incentives across the organization
• Standard government and Emapta benefits
• Total of 20 annual leaves to be used at your discretion (including 5 credits convertible to cash)
• Fun engagement activities for employees
• Mentorship and exposure to global leaders and teams
• Career growth opportunities
• Diverse and supportive work environment

The Qualifications We Seek

• 3-5 years of recent mortgage admin experience with a financial institution or licensed mortgage broker
• Thorough, precise, and detail-oriented approach to all tasks
• Adaptability to technology and evolving processes
• Strong written and verbal communication skills, with confidence in engaging people at all levels
• High-level influencing skills to overcome challenges and achieve desired outcomes
• Self-motivated, with energy, urgency, and accountability
• Proactive problem-solving and prioritization skills to meet deadlines efficiently
• Excellent time management and commitment to results
• Balance of short-term execution and long-term success mindset

Your Daily Tasks

• Communicate with clients to gather all necessary information for loan applications.
• Prepare high-quality lending proposals for broker review and presentation, ensuring accuracy and compliance.
• Provide credit guides to prospective and current clients.
• Request, collect, and verify client documents for accuracy, completeness, and compliance with lending standards.
• Analyze client files to identify the best lender and optimal loan structure.
• Conduct product analysis and recommend suitable mortgage products based on client needs and policy fit.
• Assess funding positions accurately to confirm feasibility and readiness.
• Utilize Quickli, Broker Platform, and Servicing Calculator to determine maximum borrowing capacity.
• Analyze income sources for both PAYG and self-employed clients.
• Complete online applications with accurate data entry.
• Coordinate with real estate agents and solicitors to progress purchase applications.
• Liaise with lenders and lending teams (credit assessors and funding units) to check application status, resolve issues, and expedite processing.
• Assist brokers with Mortgage Insurance Refund (MIR) requests and processing with lenders.
• Execute communication strategies (SMS, email, phone) to keep clients updated at each milestone and answer queries clearly from lodgement through funding.
• Track and manage applications end-to-end from submission to settlement in CRM/tracking systems, recording key milestones (lodgement, conditional approval, full approval, funding, post-settlement) and proactively resolving issues.
• Identify cross-sell opportunities for additional products during client engagements.

Performance Targets:

• Maintain submission file quality to ensure a settlement ratio greater than 75%.
• Achieve a customer satisfaction feedback rating of at least 4 out of 5 stars (80%).
• Generate a minimum of 4 client referrals per month from your client base.

Additional Sales and Retention Responsibilities:

• Identify and secure product sales opportunities through exceptional service delivery and proactive communication.
• Request client referrals during the loan tracking process.
• Maximize lodgement-to-funding conversions through consistent tracking and communication.

Administrative Responsibilities:

• Maintain CRM files to monitor loan processing stages and update key stage completions, including indicative and full loan approval, document preparation, and loan funding/settlement steps.
• Record key client contact events in CRM databases, such as approval notifications, funding updates, one-month anniversaries, and six-month health checks to support retention programs.
• Track loan lodgement-to-funding conversions by loan type, lender, and customer segment.

Compliance and Standards:

• Follow the Franchise Operations System (FOS) as outlined in the Mortgage Choice Operations Manual and Information Centre.
• Uphold Responsible Lending and Privacy obligations at all times.

About the Client

Powering Confident Homeownership Through Smarter Lending Support

Our client is a leading force in Australia's home lending and mortgage advisory landscape, helping thousands secure the right financing through expert guidance and strong industry partnerships. Known for simplifying complex lending processes, they combine technology, market insight, and personalized support to provide clients with informed, seamless mortgage experiences. With decades of industry trust, they continue shaping the future of property financing through service excellence, partnership-driven solutions, and a deep commitment to customer success.

Welcome to Emapta Philippines

Join a team that values camaraderie, excellence, and growth. Recognized as one of the Top 20 Dream Companies of Filipinos in 2024, Emapta offers stability and exciting global opportunities. Build your career alongside international clients in a culture that thrives on collaboration, innovation, and purpose. With strong support, diverse teams, and endless learning, we empower your success every step of the way. Apply now and be part of the #EmaptaEra