About the job
Position: Credit Analyst / Loan Processor
Salary: Up to ₱100,000+ PHP (Final salary is determined based on the candidate’s skills and experience.)
Working Hours: Flexible
Work Setup: Fully Remote
Holidays: Observance of New Zealand Public Holidays.
About Our Client
Our client is a leading Australian mortgage brokerage committed to delivering strategic financial solutions tailored for a wide range of residential and investment needs. With a focus on a high-growth environment, the firm fosters a supportive and 'toxic-free' culture that emphasizes long-term professional growth alongside operational excellence. Utilizing cutting-edge industry tools and streamlined workflows, the team ensures efficient loan processing and an exceptional client experience in the Australian property market.
About the Role
As a Credit Analyst and Loan Processor, you will oversee the entire mortgage process, from initial financial assessments and serviceability calculations to final loan submissions. You will evaluate intricate income structures, adhere to 'Best Interests Duty' (BID) guidelines, and proactively handle lender inquiries to achieve timely approvals. This role is ideal for highly analytical professionals adept at navigating the complexities of Australian lending policies while communicating effectively with brokers, lenders, and clients.
Key Responsibilities
1. Financial Analysis & Credit Assessment
- Income Verification: Assess complex income scenarios, including PAYG (base, overtime, bonuses, commissions) and self-employed financial documentation (Tax Returns and Financial Statements).
- Serviceability Calculations: Employ lender-specific calculators (e.g., CBA, NAB, Westpac, ANZ, Macquarie) and tools like Quickli to ascertain maximum borrowing limits.
- Liability Management: Scrutinize Credit Reporting (CCR) and bank statements to verify existing liabilities, including home loans, personal loans, and credit cards.
- Complex Scenarios: Structure transactions involving multiple investment properties, equity releases (cash-outs), and intricate arrangements like SMSF or Trusts.
2. Loan Processing & Lodgment
- Data Entry: Accurate data entry into CRM platforms such as Salestrekker/Pipedrive and submission via ApplyOnline or lender portals.
- Compliance & Documentation: Prepare and review credit guides, initial checklists, and Product Comparison emails to ensure compliance with all 'Best Interests Duty' (BID) requirements.
