Residential Credit Analyst

Summary

Join ConnectOS as a Residential Credit Analyst and assist Australian mortgage brokers with administrative tasks related to loan applications. You will prepare and process loan applications, communicate with stakeholders, maintain updated systems, and ensure a smooth customer experience. This role requires collaboration with clients and brokers to research suitable lenders and products. The position offers a competitive salary, comprehensive benefits, and professional development opportunities. ConnectOS is a top-rated employer committed to equal employment opportunities.

Requirements

• Certificate IV Financing & Mortgage Brokering
• Bachelor's Degree in a relevant course
• 2+ years of experience in Australian mortgage broking industry specializing in AU loan processing
• Experience in using aggregators CRM such as MyCRM, Infynity, Mercury Nexus, Flex or Salestrekker or other CRM Software in the mortgage broking industry
• 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, Asana 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 : 4 weeks on-site
• Work Set up: Work from Home or Hybrid or on-site
• Competitive salary package and annual performance review, monthly rewards and recognition program
• 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
• 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
• Accessible location at the heart of Metro Manila --- the Mega Tower, EDSA