Loan Processor, Credit Analyst

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

📋 Description

• Oversee the mortgage loan process from the application stage to closing.

• Gather and examine loan applications along with supporting documents for accuracy and completeness.

• Request any missing client information and perform comprehensive reviews.

• Acquire and verify financial information including income, assets, and credit reports.

• Perform credit checks and verify disclosed liabilities.

• Ensure compliance of loan applications with Australian lending laws and guidelines.

• Review Cashdeck for Livex and any undisclosed liabilities.

• Act as a liaison among borrowers, underwriters, mortgage aggregators, and other relevant parties.

• Submit applications through mortgage aggregator platforms, monitor progress, and troubleshoot issues.

• Order property valuations and manage the process from post-approval to settlement.

• Prepare and send loan files to lenders and banks for their approval.

• Follow up on applications to guarantee prompt processing and approval.

• Provide excellent customer service and assist borrowers throughout the loan process.

• Conduct CCR and request documents such as credit card, personal loan, car loan, and HECS statements when necessary.

• Check Cashdeck or OpenBanking for any undisclosed liabilities and validate against declared Livex/HEM.

• Conduct high-level or initial serviceability assessments on Quickli for PAYG/simple applications.

• Handle pricing requests and product comparisons on a case-by-case basis.

• Prepare AOL for submission.

⛳️ Requirements

• Minimum of 2 years experience in Australian mortgage loan processing.

• Strong knowledge of Australian mortgage lending laws and guidelines.

• Exceptional analytical, communication, and organizational abilities.

• Proficient in mortgage processing software and the Microsoft Office Suite.

• Comprehensive understanding of mortgage underwriting procedures and loan types.

• High accuracy and attention to detail are essential.

• Capability to efficiently address and resolve issues.

• Strong focus on client service.

• Ability to juggle multiple tasks and meet deadlines.

• Commitment to confidentiality and ethical integrity.

• Proficiency in CRM systems such as Quickli, Apply Online, Mercury, and Property Hub.

• Familiarity with mortgage aggregator platforms like AFG, Connective, SFG, or PLAN Australia.

• Self-provided USB headset featuring noise cancellation.

• Working webcam.

• Computer equipped with at least a 1.5 GHz processor and a minimum of 8GB RAM.

• Main internet service with a speed of at least 50 Mbps via a cable connection.

• Backup internet service speed of at least 25 Mbps.

• Dual monitor setup.

• BIR registration/contributions as required for a contractor.

• NBI or Police Clearance.

• Any government-issued identification.

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

• English proficiency test.

• Personality assessment.

🏝️ Benefits

• Discretionary Bonus – not a 13th-month pay, entirely dependent on company discretion.

• Referral Bonus – 70 AUD for each successful referral to the Wingman platform.

• Dedicated Support Contact (CSM).

• Access to a Network – collaborate with fellow contractors and onshore specialists.

• Opportunities to Upskill – optional sessions, peer learning, and developmental pathways.

• Potential for additional contracts, Statements of Work, or expanded workloads.

• High-Impact Projects with Australian partners.

• Flexibility First – full autonomy in achieving outcomes.

• Advisory Support – guidance on HR, tax, and setup.

• 20 Days Paid Flexibility Allowance.

• Annual Trip (Optional).

• 100% Work-From-Home Contracts.