Credit Analyst

Credit expertise that keeps home loans moving forward

Our client is a leading boutique mortgage and financial advisory firm that transforms complex lending into clear, tailored solutions. They help homeowners and investors save, build wealth, and reach long-term financial goals with precision and integrity. Renowned for trusted guidance, compliance excellence, and hundreds of satisfied clients each year, they combine advanced tools with personalised service. As an employer, our client nurtures professional growth, global exposure, and mentorship opportunities-offering a dynamic environment where your credit expertise drives smarter mortgage outcomes.

Your Role in the Bigger Picture

Be part of our client's team as a Credit Analyst & Loan Processor, where you'll support brokers by preparing high-quality loan applications, conducting credit assessments, managing documentation, and coordinating with lenders. You'll ensure files progress smoothly from submission to settlement, maintaining accuracy, compliance, and excellent client service throughout.

Role Snapshot

Employment type: Full-time

Shift: Day Shift, Weekends Off

Work setup: Work from home

What You'll Enjoy

• Competitive Salary Package
• Permanent WFH arrangement
• HMO coverage with free dependent upon regularization
• Fixed weekends off
• 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
• 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 on your own 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

What We're Looking For

Essential

• Minimum 5 years of experience as a Loan Processor or Credit Analyst (mortgages preferred)
• Strong understanding of lender credit policy fundamentals
• Working knowledge of compliance requirements (NCCP, BID, AML/CTF)
• Excellent attention to detail and accuracy
• Strong written and verbal communication skills
• Experience with mortgage CRMs (e.g., Flex / Brokerengine)
• Proven time management and workflow prioritisation skills

Desirable

• Experience with lender portals and ApplyOnline
• Exposure to self-employed, trust, or complex lending structures
• Understanding of living expense verification and credit scoring
• Banking or financial services background

Personal Attributes

• Professional, reliable, and trustworthy
• Client-focused with high ownership and accountability
• Calm under pressure and solution-oriented
• Proactive, eager to learn, and team-focused

Technology & Systems Used

• CRM (e.g., Flex / Brokerengine)
• ApplyOnline
• Lender portals
• VOI systems
• Bank statement retrieval tools (Illion / Basiq)
• Microsoft 365

Career Pathways

• Senior Credit Analyst
• Team Leader - Loan Processing
• Broker Support Manager
• Mortgage Broker / Credit Representative

What You'll Be Responsible For

Pre-Lodgement & Assessment

• Review fact-find, scenario notes, and client objectives
• Conduct initial credit analysis and assess borrowing capacity
• Identify policy alignment and lender suitability
• Review and verify supporting documents (income, ID, liabilities, expenses)
• Prepare full loan applications in CRM and ApplyOnline
• Identify missing information and follow up with brokers or clients

Lodgement

• Complete and upload applications into lender portals
• Ensure accuracy of data entry and lender-specific requirements
• Prepare submission notes aligned with lender credit policy
• Maintain file compliance in CRM and internal systems

Post-Lodgement

• Manage lender follow-ups, valuation bookings, and outstanding items
• Respond to lender credit requests in a timely manner
• Update brokers and clients on application progress
• Address issues proactively and escalate where required

Approval & Settlement

• Review conditional and formal approvals for accuracy
• Ensure all conditions are met prior to settlement
• Coordinate discharge authorities for refinancing
• Liaise with settlement teams, solicitors, and lenders
• Prepare settlement packs for internal review

Compliance & Quality Assurance

• Maintain up-to-date knowledge of lender policies and NCCP requirements
• Ensure all client files meet internal and external compliance standards
• Follow file management, naming conventions, and documentation requirements
• Support internal audits and post-settlement checks

Workflow & Administration

• Maintain Work In Progress (WIP) pipeline daily
• Meet internal service level agreements (SLAs)
• Assist with pricing requests, scenario research, and lender escalations
• Contribute to continuous improvement of internal systems and workflows

Key Performance Indicators (KPIs)

• Ensure accuracy of loan submissions (low rework rate)
• Meet loan approval and settlement conversion timelines
• Maintain SLA turnaround time on client and lender tasks
• Achieve compliance quality and audit scores
• Ensure file completeness and documentation accuracy
• Communicate effectively within internal teams
• Maintain client and broker satisfaction

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 stands proudly alongside industry giants, offering stability and exciting career opportunities. Your career flourishes here with competitive compensation, international clients, and a work culture focused on collaboration and innovation. Work with global clients across industries, supported by a stable foundation and like-minded professionals passionate about making an impact. We empower your success with opportunities for personal and professional development in an inclusive environment. Apply now and be part of the #EmaptaEra