ConnectOS is hiring a Credit Analyst Commercial (AU Mortgage, WFH) to evaluate the creditworthiness of borrowers seeking financing for commercial real estate and other assets. You will play an essential role in helping financial institutions manage risk and make informed lending decisions.
What You'll Do
- Review and analyze the creditworthiness of residential & commercial borrowers and the associated assets.
- Evaluate financial statements, cash flow projections, credit reports, and other relevant documents.
- Assess the risk associated with residential & commercial mortgage loan applications.
- Analyze the borrower's financial stability, repayment capacity, and the quality and value of the underlying collateral.
- Conduct thorough assessments of the collateral to determine its value and marketability.
- Analyze the financial statements of the borrower's business.
- Assess the business's ability to generate sufficient cash flow to cover debt service.
- Understand and evaluate economic and industry-specific factors that may impact repayment.
- Collaborate with loan officers and underwriters to structure loan terms and conditions.
- Ensure all lending decisions and documentation comply with relevant regulations.
- Communicate credit decisions, loan terms, and conditions to stakeholders.
- Recommend risk mitigation strategies.
- Stay informed about commercial real estate market conditions, economic trends, and industry developments.
- Keep up-to-date with changes in lending regulations, credit analysis techniques, and best practices.
What We're Looking For
- Bachelor’s degree in finance, accounting, economics, business administration, or a related field.
- Minimum of 3 years experience in credit analysis or a similar role within the mortgage or finance industry.
- Strong understanding of Commercial Loans.
- Strong understanding of various income streams and confident in income calculations for PAYG, Self-employed and company and trust structures.
- Knowledgeable in using lenders' servicing calculators to assess clients’ borrowing capacities.
- Excellent verbal & written communication to convey credit analysis findings and recommendations.
Nice to Have
- Experience in using MyCRM, Infynity, Mercury Nexus, Flex, Salestrekker or other CRM Software in the mortgage broking industry.
Technical Stack
- CRM Software (MyCRM, Infynity, Mercury Nexus, Flex, Salestrekker)
- Financial analysis tools
- Lenders' servicing calculators
Team & Environment
You will work with Australia’s largest mortgage aggregator, supporting a community of over 6,000 brokers and advisers.
Benefits & Compensation
- One-month onsite paid training program.
- Flexible Work Set up: Work from Home, Hybrid, or on-site.
- Competitive salary package and annual performance review.
- Monthly rewards and recognition program.
- Opportunity to attend events and travel to Australia.
- Chance to earn CERT IV in Mortgage Broking and Finance.
- Access to knowledge base tools, resource center and training library.
- Access to a Financial Assistance Program through a leading FinTech Company in Philippines.
- Referral bonus up to PHP 21,000.
- WFH Engagements: Remote learning, employee development activities, Wellness sessions, health talks, Virtual team games and contests.
- Regular company-wide events, engagement activities, and a culture that values work-life balance.
- Employee-wellbeing Office Facilities (Gym, Wellness Room, Childcare Facility, Entertainment Room, World-class Training Rooms).
- Cafeteria with affordable food concessionaire partners.
- Complimentary coffee and ice cream every day.
- Sleeping Quarters and Shower rooms.
Work Mode
This role operates on a hybrid basis from Metro Manila, Philippines, offering flexibility to work from home.
ConnectOS is a certified Great Place to Work and a top-rated Philippines employer of choice. Employment decisions are made without consideration of factors such as age, race, color, religion, gender, disability status, sexual orientation, gender identity or expression, genetic information, and marital status.
