Senior Credit Analyst, Credit Analysis Experience in AU Mortgage

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

📋 Description

• Role: Senior Credit Analyst (Experience in Credit Analysis within the AU Mortgage sector)

• The Senior Credit Analyst plays a crucial role in assisting mortgage brokers by overseeing the complete loan processing cycle.

• Responsibilities include gathering client supporting documents, conducting initial credit pre-assessments, creating credit proposals, preparing, reviewing, and submitting loan applications, and coordinating with brokers, clients, lenders, and referral partners to ensure compliance and documentation standards are met for a seamless customer experience.

• Collaborate internally with Directors, Mortgage Brokers, and the Broker Support Team.

• Engage externally with Clients, Lenders and Banks, Solicitors and Conveyancers, Referral Partners, and Real Estate Agents.

• Prepare, review, and submit loan applications accurately and promptly by adhering to submission/application checklists and established company processes.

• Verify client information and documentation to align with lender requirements and compliance standards.

• Communicate with lenders, solicitors, conveyancers, real estate agents, clients, and referral partners to monitor application progress and address any issues or delays.

• Serve as the primary contact for clients throughout the loan processing phase (from pre-assessment to settlement).

• Offer personalized mortgage guidance tailored to clients' needs and preferences in collaboration with brokers by utilizing credit assessment checklists and following company procedures to complete pre-assessments/loan proposals.

• Clearly articulate mortgage terms, interest rates, and repayment plans to clients as needed.

• Provide application updates and respond to client inquiries.

• Assist clients in the document collection process, ensuring all necessary paperwork is received and complete.

• Ensure all applications comply with regulatory, lender, and company standards.

• Review loan documents with clients to confirm understanding and accuracy.

• Maintain current knowledge of lender policies, products, and industry regulations.

• Follow the established credit assessment checklist and process.

• Keep precise records of all client interactions and document submissions in the CRM system.

• Ensure client data is appropriately filed in the database according to company standards and naming conventions.

• Build and nurture strong relationships with clients, lenders, and external industry and referral partners.

• Provide continuous support and guidance throughout the mortgage process, addressing any questions or concerns.

• Conduct regular annual product interest rate reviews (post-settlement) with clients to ensure satisfaction and explore future business opportunities.

• Stay informed on industry regulations, market trends, and best practices through ongoing education and training.

• Obtain necessary licenses and certifications to comply with regulatory requirements.

• Attend regular online and in-person industry and lender training as necessary.

• **Team Collaboration**

• Collaborate closely with mortgage brokers to facilitate a smooth transition from application to approval stages.

• Promptly address any concerns or queries regarding files in progress with the mortgage broker.

• Provide constructive feedback to brokers and management regarding process improvements or recurring challenges.

• Participate in team meetings and training sessions as required.

• Accuracy and timeliness in initial pre-assessments/loan proposals.

• Accuracy and timeliness in loan submissions.

• Client satisfaction scores and feedback.

• Percentage of approved loans compared to applications submitted.

• Percentage of accurate loan submissions with no errors or unnecessary resubmissions.

• Percentage of loan settlements that meet required deadlines.

• Compliance audit results.

• Submission and pre-assessment process audit results.

• Completion of annual reviews.

⛳️ Requirements

• A solid 4-5 years of experience in credit analysis within the AU Mortgage Broking Industry.

• Exceptional customer service skills.

• Strong comprehension of mortgage, asset finance, personal loan, and business/commercial loan products and application processes.

• Experience in loan processing, financial services, or related fields.

• Proficiency in CRM systems and loan submission platforms.

• Excellent attention to detail and organizational skills.

• Strong verbal and written communication abilities.

• A positive attitude and a robust work ethic.

• Proven problem-solving capabilities.

• Excellent time management and planning skills.

• Experience with Mercury CRM (essential) and Microsoft.

• Leadership skills.

• **Behaviors Required**

• Teamwork.

• Customer focus.

• Quality and safety focus.

• Motivation.

• Loyalty to the job and the business.

• Honesty and integrity.

• Ability to work both independently and collaboratively.

🏝️ Benefits

• Competitive salary and performance bonuses.

• Opportunities for professional development and training.

• Flexible work arrangements.

• Supportive team environment.

• Employee wellness programs.