Credit Analyst

About this role

Position: CREDIT ANALYST
Salary range: Php 100,000/month (The final amount will be at the the client discretion basing on the candidate’s skills and experience.)
Working Hours: Following AU business hours
Work set-up: 100% Remote work under Independent Contractor Agreement
Holidays: TBD
Recruitment process: possible multiple client interviews and an assessment

About the Company
A financial services and mortgage broking organisation specialising in delivering tailored lending solutions to individuals and investors. The business works with a broad panel of lenders to provide competitive loan options while maintaining strong compliance, accuracy, and customer-focused service.

Role Overview
The Credit Analyst is responsible for assessing client financial profiles, determining borrowing capacity, and ensuring loan applications align with lender policies and regulatory requirements. The role works closely with brokers and lenders to structure applications, manage credit risk, and support successful loan outcomes.

Key Responsibilities
Analyse client financial information including income, expenses, liabilities, and assets
Assess borrowing capacity and determine suitable loan products across multiple lenders
Prepare, structure, and review loan applications prior to submission
Identify credit risks and provide clear recommendations to support lending decisions
Liaise with lenders, brokers, and clients to obtain and verify required documentation
Ensure all applications comply with lending policies, credit guidelines, and regulatory standards
Maintain accurate records and track application progress within CRM and loan systems
Manage multiple loan applications simultaneously while meeting deadlines
Support brokers with lender policy interpretation and scenario analysis

Tools & Software
Loan processing platforms (e.g., Infinity, ApplyOnline, Mercury, Flex, AOL)
CRM systems (e.g., Salesforce, HubSpot, Quickli, broker-specific CRMs)
Microsoft Excel (advanced) and Google Sheets
Document management systems (SharePoint, Google Drive, Dropbox)
Credit reporting agencies (Equifax, Illion, Experian)
Communication tools (Microsoft Teams, Zoom, Outlook)
Workflow/project tools (Monday.com, Asana, Trello)
Requirements
Skills & Experience
Experience in mortgage broking, banking, financial services, or credit analysis
Strong understanding of residential lending policies and credit assessment processes
Excellent analytical and problem-solving abilities
High attention to detail and accuracy in documentation and compliance
Strong communication and stakeholder management skills
Ability to manage multiple priorities in a fast-paced environment
Familiarity with aggregator platforms and lender systems is an advantage