Commercial Credit Analyst

This is a fully remote position, open to applicants in Philippines.

📋 Description

• Oversee the management of commercial and complex loan applications from the initial assessment to settlement.

• Analyze and review financial documents for individuals, companies, trusts, and partnerships.

• Evaluate the income, assets, liabilities, existing debts, and overall financial situation of borrowers.

• Assist in structuring loans and identify appropriate lending solutions.

• Prepare and accurately submit loan applications and credit submissions to the relevant lenders.

• Review lender policies to ascertain documentation and eligibility criteria.

• Conduct initial serviceability and credit assessments.

• Gather, verify, and organize necessary supporting documentation.

• Spot any missing or inconsistent information and coordinate resolutions with brokers, clients, accountants, and other involved parties.

• Communicate with lenders, BDMs, credit teams, accountants, brokers, solicitors, and clients.

• Manage lender conditions, outstanding requirements, and follow-ups effectively.

• Track application progress and provide regular updates to the broker.

• Maintain precise records, notes, and documentation within the relevant CRM or loan processing system.

• Ensure that applications and supporting documents comply with Australian lending and regulatory standards.

• Assist in preparing for settlements and ensure all outstanding requirements are fulfilled.

• Handle multiple applications while meeting deadlines and ensuring accuracy.

⛳️ Requirements

• A minimum of 2 years’ experience in Australian mortgage lending, commercial lending, parabroking, or loan processing.

• In-depth understanding of the Australian mortgage and commercial lending processes.

• Proven experience in managing commercial or complex loan applications.

• Significant experience working with self-employed borrowers.

• Ability to review and interpret financial statements for companies, trusts, partnerships, and individuals.

• Familiarity with Australian lender policies and credit criteria.

• Experience in preparing loan submissions and supporting credit documentation.

• Strong attention to detail and accuracy in documentation.

• Excellent written and verbal communication skills in English.

• Strong organizational skills and effective time-management capabilities.

• Ability to handle multiple applications and follow up on outstanding requirements.

• Capacity to work independently while effectively communicating with Australian stakeholders.

• Experience with platforms such as BrokerEngine, Mercury/Mercury Nexus, ApplyOnline, Salestrekker, MyCRM, Simpology, Quickli, FLEX, or other Australian mortgage/commercial lending systems is highly desirable.

• Ability to work remotely while supporting a team based in Australia.

• Willingness to complete BIR self-registration as part of the pre-employment process.

• Availability to work from 7 AM to 4 PM MNL time, Monday to Friday.

🏝️ Benefits

• Flexible work-from-home arrangement.

• Remote work setup.

• Schedule aligned with Australian business hours.

• Monday to Friday work schedule.