Credit Loan Analyst

Summary

Join ConnectOS, a top-rated Philippines employer, and contribute your expertise to a dynamic team. This role offers a competitive salary (P70,000-P90,000 monthly) and a work-from-home (WFH) arrangement. As a Mortgage Credit Assessor, you will be responsible for assessing client financial situations, applying lending policies, verifying income, and collaborating with brokers. The position requires 2-3 years of experience in mortgage credit assessment and proficiency in MS Office. Enjoy comprehensive benefits including medical, dental, and life insurance, paid leave, and various perks.

Requirements

• Have 2-3 years of experience in mortgage credit assessment, particularly in structuring loan options for clients
• Possess a background in finance, lending, or a related field
• Be proficient in MS Office
• Demonstrate strong communication and collaboration skills, especially when working with brokers and stakeholders
• Have a solid understanding of lending policies, income verification, and experience with servicing calculators

Responsibilities

• Proficiently analyze client income (PAYG and self-employed), debts, and overall financial standing to assess borrowing capacity
• Thoroughly understand and apply lending policies effectively during client assessments
• Skillfully review and verify income documents, including payslips, tax returns, and BAS statements
• Utilize servicing calculators to assess loan affordability
• Collaborate effectively with brokers and lender BDMs to gather additional information or resolve lending scenarios
• Proficiently use Excel to manage client assessments and create presentations for clients
• Maintain well-documented and accurate client files in the CRM, ensuring compliance, traceability, and meticulous attention to detail

Preferred Qualifications

• Be proficient in MS Office, particularly Excel
• Have experience with CRM tools, including Pipedrive and Infynity
• Be familiar with servicing calculators and other lending-related software

Benefits

• Work from home (WFH)
• Medical, Dental Coverage and Life insurance from day 1 of employment
• Paid Vacation and Sick Leave (with Quarterly Sick Leave Conversion)
• Competitive salary package and annual appraisal
• Financial Assistance Program
• Mandatory Government Benefits and 13th Month Pay
• Regular Company Events, Work Life Balance, and Career growth opportunities