Credit Underwriter and Loan Processing Associate

4 days ago

Pasig, National Capital Region, Philippines Staff Domain Inc. Full time A$90,000 - A$120,000 per year
Setup and Location: Onsite-Ortigas
Work Schedule: 9:00 AM-6:00 PM (AEST) | 7:00 AM-4:00 PM (PH Time)
Employment Type: Full-time

Ready to do work that actually excites you?
We're looking for a Credit Underwriter & Loan Processing Associate to take on a dynamic dual role. You'll assess the creditworthiness of borrowers, make sound credit recommendations, and ensure loan applications move seamlessly from submission to settlement. At the same time, you'll provide hands-on support to brokers, collaborating closely to process applications efficiently while maintaining compliance with Australian lending regulations. This role blends technical expertise with broker support, making sure clients enjoy a smooth lending experience from start to finish.
What You'll Do

1. Loan Application Review & Assessment:
  • Evaluate home loan applications submitted by brokers and directly from customers.
  • Assess financial documents, credit reports, and other documents to determine the borrower's creditworthiness and ability to repay their loan.
  • Identify potential risks and ensure all loans comply with internal credit policies and regulatory guidelines.
2. Credit Recommendations:
  • Make recommendations on loan approvals, conditions, or declines based on risk assessments.
  • Work within delegated authority limits and escalate complex or high-risk applications to senior management when necessary.
  • Document credit decisions thoroughly, ensuring transparency and compliance with Australian regulations.
3. Broker Support & Loan Processing:
  • Review and validate loan applications submitted by brokers and customers, ensuring all required documents are complete and accurate.
  • Ensure loan applications are processed within agreed timelines, delivering high-quality service to both brokers and their clients.
4. Collaboration & Stakeholder Management:
  • Collaborate with the credit team, broker support, and other internal team members to resolve any issues during the loan application process.
  • Communicate clearly with customers and brokers on additional information requests—initially over email and ultimately over the phone as well.
5. Technology & Financial Comprehension:
  • Use internal and external credit scoring systems, financial analysis tools, and loan processing software to enhance efficiency in both underwriting and loan application processing.
  • Support the adoption of new technologies that streamline broker submissions and improve borrower experience.
RequirementsWhat You Bring
We're looking for someone who:

Requirements/ Skills Needed:
  • Minimum 3-5 years of experience in credit underwriting and/or loan processing in the Australian home loan market.
  • Prior experience working in a broker support role is highly desirable.
  • Familiarity with broker-channel lending, including documentation and compliance requirements.
  • Strong analytical skills and attention to detail.
  • Excellent communication and relationship management skills, particularly when working with brokers and customers.
  • Strong English proficiency is a must, and confidence communicating in both written and verbal
  • formats with customers and key stakeholders is required.
  • Proficiency in loan processing and underwriting software, with prior experience in Infynity, LoanApp,
  • and ApplyOnline preferred.
  • Ability to work in a fast-paced environment and manage multiple applications simultaneously.
  • Ability to work directly with the Australian team and a very fast-paced environment.
  • We are a rapidly growing business, so being comfortable utilizing many different technology platforms and general financial competence is critical to keep up with the pace of change in our processes.
  • Confidence in communication and cultural alignment with Australian ways of working is important.
  • Bachelor's degree in finance, accounting, economics, or related field.
BenefitsWhy You'll Love Working Here
  • HMO, Dental, and Life Insurance for you and one free dependent from day one (with the option to enroll additional dependents)
  • Paid Leaves: Birthday, Vacation, Medical, and Maternity (up to 6 Vacation Leaves are convertible to cash on your anniversary)
  • Employee Engagement Activities: Year-End Party, Family Day, Team Building, and more
Let's Talk
If you're thinking "this sounds like me"—it probably is. Click apply. We can't wait to meet you.

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