Credit Analyst

Private Advertiser; Metro Manila; On-site; PHP 3,366,000 - 4,264,000; Full time

Job summary

Rocket Services is seeking a Credit Analyst for Australian Mortgage Broking to assess residential home loan applications against lender policies and servicing requirements. The role requires reviewing income, expenses, assets, and supporting documents, and liaising with brokers and lenders to clarify requirements.

The candidate should have experience in credit analysis or mortgage lending, a strong understanding of the Australian residential mortgage market, and knowledge of lender credit

Qualifications

• Experience in credit analysis, loan assessment, or mortgage lending.
• Strong understanding of the Australian residential mortgage market.
• Knowledge of lender credit policies and servicing requirements.
• Ability to analyze financial information and supporting documentation.

Responsibilities

• Assess residential home loan applications against lender credit policies and guidelines.
• Review applicant income, expenses, liabilities, assets, and supporting documentation.
• Conduct servicing assessments and identify potential lending issues or risks.
• Review loan structures and ensure applications meet relevant lending criteria.
• Identify missing information, inconsistencies, and potential policy exceptions.
• Liaise with brokers, lenders, and other stakeholders to clarify application requirements.
• Provide clear recommendations and updates regarding application outcomes and requirements.
• Review and manage lender conditions through to approval and settlement.
• Maintain accurate and complete application records.
• Ensure all activities are completed in line with relevant lending, compliance, and internal processes.
• Keep up to date with changes to lender policies, credit criteria, and servicing requirements.

Skills

Credit analysis

Mortgage lending

Australian market knowledge

Attention to detail

Communication skills

Job description

The successful candidate will have a strong understanding of Australian credit policies, servicing requirements, lender guidelines, and the end-to-end home loan application process.

Experience with Loan Market Group (LMG) is highly desirable.

Key Responsibilities

• Assess residential home loan applications against lender credit policies and guidelines.
• Review applicant income, expenses, liabilities, assets, and supporting documentation.
• Conduct servicing assessments and identify potential lending issues or risks.
• Review loan structures and ensure applications meet relevant lending criteria.
• Identify missing information, inconsistencies, and potential policy exceptions.
• Liaise with brokers, lenders, and other stakeholders to clarify application requirements.
• Provide clear recommendations and updates regarding application outcomes and requirements.
• Review and manage lender conditions through to approval and settlement.
• Maintain accurate and complete application records.
• Ensure all activities are completed in line with relevant lending, compliance, and internal processes.
• Keep up to date with changes to lender policies, credit criteria, and servicing requirements.

About You

• Previous experience in credit analysis, loan assessment, mortgage lending, or a similar role.
• Strong understanding of the Australian residential mortgage market.
• Good knowledge of Australian lender credit policies and servicing requirements.
• Strong ability to analyse financial information and supporting documentation.
• Excellent attention to detail and ability to identify risks or discrepancies.
• Strong written and verbal communication skills.
• Ability to manage multiple applications and competing priorities.
• Strong analytical and problem-solving skills.
• Experience working with Australian lenders, mortgage brokers, or aggregators is highly desirable.
• LMG experience is highly desirable, particularly knowledge of LMG credit policy, servicing, and application processes.

Your application will include the following questions:

• Do you have LMG experience

Credit Analyst - Australian Mortgage Broking

Rocket Services

Loan Support Officer / Mortgage Processor - AU Mortgage