Credit Analyst

1 day ago

Manila, National Capital Region, Philippines Property Twins Full time A$80,000 - A$120,000 per year

About us

Property Twins are Buyers Agents and Finance Strategists providing Property Search and Lending Arrangements to Australian professionals.

We have a 'big picture' focus to deliver property and finance solutions with a step-by-step strategy aligned with client goals to enable their real estate and financial success.

Our clients are home buyers, owners and property investors looking to purchase high growth properties and to set up finance correctly right from the start.

About the role

We are recruiting for the role of an experienced Credit Analyst.

The objective is to own the credit assessment process and to provide outcomes in a prompt and efficient manner.

Maintenance of the credit function, ensuring accuracy and responsibility of allocated deals.

About you

We are seeking someone highly motivated and able to work under pressure in a fast-paced environment. Must work well in a team environment. Must be able to take ownership.

Key duties

  • Reviewing new inquiries for loan proposals and assessing lending eligibility
  • Manage in creating scenarios by using Quickli and Lending Calculators
  • Ordering valuations and pricings required for the loan strategies
  • Workshop the loan scenarios, including product research, serviceability, and document verification
  • Checking bank policy and carrying out servicing calculations
  • Reviewing and clarifying client living expenses
  • Knowledge of structuring or packaging of loans
  • Creating the funding position
  • Ability to understand and analyse PAYG, Self-employed income documents (e.g. payslips, tax returns, and profit & loss statements)
  • Doing the product comparison to enable to determine the best lender would fit to the clients desired loan and its capacity
  • Creating "mud maps" for brokers for client review
  • Prepare application and compliance notes for the loan processing team
  • Resolve lender exceptions raised during the application process and work with loan processors to resolve these information requests

Essential requirements

  • Minimum 5 years' experience in Australian HOME LOAN processing, and credit analysis from an Australian mortgage broker or bank
  • Must have excellent communication skills.
  • In-depth knowledge of common banking and computer software
  • Knowledge about different bank policies
  • Outstanding interpersonal and communication skills
  • With technical know-how on documentation requirements in housing loans
  • Accurate and efficient in data entries
  • Coordination skills in dealing with Bank lenders on housing loan processing.

Perks & Benefits

  • 13th-month salary (pro-rated)
  • 14th-month salary after 5 years of service
  • HMO coverage for you + 1 dependent upon regularisation (2nd dependent from Year 3)
  • 20 days paid annual/sick leave
  • Paid Australian public holidays
  • Premium pay on Philippine public holidays
  • All government-mandated benefits paid
  • Structured career progression with regular performance reviews
  • Full-time WFH setup – laptop supplied, plus internet allowance for backup connection
  • No graveyard shifts – Day shift (Australian time zone)

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