Commercial Credit Analyst - Australian Mortgage

March 28

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ConnectOS

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ConnectOS is a leading provider of offshore talent for organisations in Australia, New Zealand, the US, Canada and the UK. For over a decade, we’ve been supporting our global clients with premium resourcing and productivity solutions.ConnectOS is one of the fastest-growing offshoring companies in the world. Founded by our Australian CEO, we help companies across a range of industries activate their capability strategies and optimise their business operations with smarter ways to solve resourcing challenges. Our vibrant, modern work environments achieve high levels of employee engagement: happy, healthy, committed people who love what they do. ConnectOS Team HQ is located at Mega Tower, EDSA in the heart of Manila, Philippines. Our Client Support HQ is based in Melbourne, Australia.

1001 - 5000 employees

📋 Description

• Join Australia’s largest mortgage aggregator and unlock new opportunities! • Schedule: Monday - Friday (06:00 AM to 03:00PM PHT) • A Commercial Credit Analyst is highly responsible for assessing the creditworthiness of a commercial borrower seeking mortgage loans or financing for commercial real estate and other assets. • Their role is essential in helping financial institutions manage risk and make informed lending decisions in the commercial real estate sector. • Review and analyze the creditworthiness of residential & commercial borrowers and the associated assets, such as commercial properties or business 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) to determine its value and marketability. • 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 that align with the borrower's needs while managing credit risk effectively. • Ensure that all lending decisions and documentation comply with federal, state, and local regulations governing residential & commercial real estate lending. • Communicate credit decisions, loan terms, and conditions to borrowers and other stakeholders. • Recommend risk mitigation strategies to offset credit risk. • Stay informed about commercial real estate market conditions, economic trends, and industry developments to inform credit decisions and risk assessments.

🎯 Requirements

• Bachelor’s degree in finance, accounting, economics, business administration, or a related field. • Minimum of 3 years' experience in credit analysis or a similar role within the mortgage or finance industry. • Experience in using MyCRM, Infynity, Mercury Nexus, Flex, Salestrekker or other CRM Software in the mortgage broking industry. • Proficient in using financial analysis tools. • Strong understanding of Commercial Loans. • Has a strong understanding of various income streams and is confident in income calculations. for PAYG, Self-employed and company and trust structures. • Knowledgeable in using lenders' servicing calculators to assess clients’ borrowing capacities and ensure loan submissions meet the required policies and compliance requirements. • Has excellent verbal & written communication to be able to convey credit analysis findings and recommendations to stakeholders.

🏖️ 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. • Conveniently located at Mega Tower, EDSA --- the heart of Metro Manila.