Credit Analyst, Financial Advisor

Summary

Join ConnectOS, Australia's largest mortgage aggregator, and embark on a rewarding career as a Credit Analyst Residential. You will assist Australian mortgage brokers with administrative tasks, processing loan applications, and ensuring a smooth customer experience. This role demands strong communication skills, proficiency in CRM systems, and a deep understanding of Australian mortgage broking. The position offers a competitive salary, comprehensive benefits, and opportunities for professional development. Work from home, hybrid, or on-site options are available. ConnectOS is a top-rated employer committed to work-life balance and employee well-being.

Requirements

• Certificate IV Financing & Mortgage Broking
• Bachelor’s Degree in a relevant course
• More than 4 years of experience in an Australian mortgage broking industry specialising in AU loan processing
• Has a strong understanding of complex loan structures and loan types (multiple applicants, multiple securities, SMSF, company and trust lending, etc)
• Has a strong understanding of various income streams and is confident in income calculations for PAYG, SMSF, company and trust financials
• Previous experience in data entry of client information to MyCRM (LMG CRM system)
• Previous experience in data entry of a loan application into MyCRM and Apply Online (AOL), Simpology, or direct to the lender
• Previous experience in generating application paperwork, including those for the First Home Buyers and Discharge forms
• Experience in using aggregators CRM such as MyCRM, Infynity, Mercury Nexus, Flex or Salestrekker
• Is proficient in using IT software, Google Workspace and/or Microsoft Office including Gmail or Outlook
• Experience using Project/Task Management Tools (Monday.com, Trello, Airtable etc)

Responsibilities

• Closely workshop with brokers to package the deal ensuring that every submission is structured optimally and aligns with the lender policies and clients needs
• Prepare comprehensive credit submissions for a variety of lending scenarios,including but not limited to refinances, purchases, multiple-securities, multiple applicants, SMSF and bridging finance
• Liaise with clients to gather necessary documentation and clarify financial details
• NCCP Compliance checks and transcribing notes from summaries to detailed responses
• Understand and interpret complex financials (Self employed, SMSF, trusts and company)
• Complete lender servicing calculators and living expense analysis to assess clients borrowing capacities
• Researching lenders who have a specific policy to suit the clients requirements and provide expert guidance on said policies to ensure compliance and optimal loan structuring
• Order Valuations based on the information provided by the client, understanding the different types of valuations and communicating with valuation firms to discuss or escalate
• Pricing requests across multiple lenders, for new applications and settled loans
• Generating comprehensive credit reports and being able to interpret them
• Assist in mitigating MIRs, Conditional Approvals and Settlement Conditions
• Cross checking approval and settlement document to ensure the details match the clients requirements, per the submission
• Stay updated on industry trends, lending products and regulatory changes

Benefits

• Induction training program for 4 weeks on-site
• Offering one-month paid training program to help you get up to speed and excel in your role
• Available Work Set up: Work from Home or 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 your CERT IV in Mortgage Broking and Finance, which could be a great way to upskill and advance your career
• Access to knowledge base tools, resource center and training library
• HMO Coverage up to 2 free dependents (Medical, Dental and Group Life insurance) on Day 1
• Mandatory Government Benefits and 13th Month Pay
• Leave credits and convertible to cash of unused sick leave, paid quarterly
• Access to Emergency and Bereavement Leave
• Access to a Financial Assistance Program through one of the leading FinTech Company in Philippines
• Earn as much as PHP 21,000 referral bonus - help a friend land a job and get rewarded
• 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 for comfort and convenience
• Prime Location Conveniently located at Mega Tower, EDSA --- the heart of Metro Manila