Credit Loan Analyst

Summary

Join a thriving team at ConnectOS, a top-rated Philippines employer, and enjoy a competitive salary (P70,000-P90,000 monthly) with work-from-home flexibility. As a Mortgage Credit Assessor, you will analyze client financial situations, apply lending policies, verify income, and utilize servicing calculators to assess loan affordability. Collaborate with brokers and lender BDMs, maintain accurate client records, and create presentations. This role requires 2-3 years of experience in mortgage credit assessment and a finance/lending background. Enjoy comprehensive benefits including medical, dental, and life insurance from day one, paid leave, a financial assistance program, and government-mandated benefits.

Requirements

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

Responsibilities

• Client Scenario Assessment: Proficiency in analysing income (PAYG and self-employed), debts, and overall financial standing to assess borrowing capacity
• Lending Policy Application: Thorough understanding of lending policies and the ability to apply them effectively during client assessments
• Income Verification Expertise: Skilled in reviewing and verifying income documents, including payslips, tax returns, and BAS statements
• Proficiency in Servicing Calculators: Experience using servicing calculators to assess loan affordability
• Collaboration and Communication: Strong ability to collaborate with brokers and lender BDMs to gather additional information or resolve lending scenarios
• Data Organization and Reporting: Proficiency in Excel to manage client assessments and create presentations for clients
• Record-Keeping Skills: Competence in maintaining well-documented and accurate client files in the CRM, ensuring compliance, traceability, and meticulous attention to detail

Preferred Qualifications

• Proficiency in MS Office, particularly Excel, is essential
• Experience with CRM tools, including Pipedrive and Infynity, is an advantage
• Familiarity with servicing calculators and other lending-related software is also beneficial for assessing loan options

Benefits

• 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