Credit Analyst

Summary

Join our awesome team and enjoy a competitive salary package, annual performance review, and benefits like work-from-home setup, paid training program, and opportunity to attend events and travel to Australia.

Requirements

• Bachelor's Degree
• Prior experience in the AU broking/banking/mortgage industry and exposure to consumer credit is preferred
• Has a strong analytical skills been essential for assessing financial statements, credit risk, and asset valuations
• Need to be proficient in financial modeling, cash flow analysis, and financial statement interpretation
• Deep understanding of commercial real estate markets, industry trends, and economic factors that impact credit risk
• Excellent verbal & written communication to be able to convey credit analysis findings and recommendations to stakeholders
• Has the ability to meticulously review financial documents and assess credit risk factors
• Needs to be familiar with lending regulations and compliance requirements

Responsibilities

• Review and analyze the creditworthiness of residential & commercial borrowers and the associated assets
• Assesses the risk associated with the residential & commercial mortgage loan application
• Conduct thorough assessments of the collateral (residential & commercial real estate, equipment, or other assets)
• Analyze the financial statements of the borrower's business
• Understand and evaluate the economic and industry-specific factors that may impact the borrower's ability to repay the loan
• Collaborate with loan officers and underwriters to structure loan terms and conditions
• Ensure that all lending decisions and documentation comply with federal, state, and local regulations
• Communicate credit decisions, loan terms, and conditions to borrowers and other stakeholders
• Recommend risk mitigation strategies
• Stayed informed about commercial real estate market conditions, economic trends, and industry developments

Preferred Qualifications

Certificate IV Financing & Mortgage Brokering

Benefits

• Work Set up : Work from Home
• Competitive salary package and annual performance review
• Offering one-month paid training program to help you get up to speed and excel in your role
• 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
• Bi-Annual Vacation Leave credit/ allotment
• Convertible to cash of unused sick leave
• On-Top Leave Credits (Birthday, Emergency and Bereavement Leave)
• HMO Coverage (Medical, Dental and Group Life insurance)
• Mandatory Government Benefits and 13th Month Pay
• Financial Assistance program through one of the leading FinTech Company in Philippines
• We’ve just launched a new referral bonus program where you can earn PHP 21,000 for every successful referral you make
• Regular Company Events, Work Life Balance
• Complimentary Sleeping Quarters, Coffee at no cost
• Complimentary Office Fitness and Wellness Facilities at no cost