Credit Analyst (AU Client - Remote)

Bespoke Outsource Services; Makati; On-site; PHP 500,000 - 700,000; Full time

Benefits offered by this job

Medical, dental, and life insurance from day one

Paid vacation

Sick leave (with quarterly conversion)

Competitive salary and annual appraisals

Financial assistance program

Mandatory government benefits and 13th-month pay

Company events promoting work-life balance

Job summary

Bespoke Outsource Services is seeking candidates for a Credit Analyst role to assist with credit analysis, loan structuring, and lending support. The successful applicant will manage day-to-day assessments of lending applications and work closely with brokers and lenders to ensure successful outcomes.

This role requires a deep understanding of Australian mortgage lending, strong analytical skills, and the ability to manage multiple applications efficiently. In addition, the position comes with competitive salary benefits that promote work-life balance and career growth.

Qualifications

• Minimum 3 years' experience in Australian mortgage lending and credit support.
• Strong ability to interpret financial statements and documentation.
• Experience assessing a broad range of lending scenarios.

Responsibilities

• Assess lending applications and determine suitability based on client circumstances.
• Prepare detailed and professional credit submissions for lender assessment.
• Liaise with stakeholders regarding policy clarification and application requirements.

Skills

Understanding of Australian lending policies

Credit assessment principles

Using ApplyOnline (AOL)

Analytical skills

Communication skills

Education

Higher education degree in Finance or related discipline

Tools

CRM systems

Lender portals

Microsoft Office

Google Workspace

Job description

You will be required to assist in all aspects of credit analysis, loan structuring, and lending support, which may at times extend beyond the duties listed below.

Managing the day-to-day assessment of lending applications, including reviewing client financial information, conducting servicing and borrowing capacity assessments, analysing lender policy, identifying credit risks, and preparing high-quality credit submissions to support successful lending outcomes.

This will require you to liaise with brokers, lenders, clients, business development managers, and third parties to assess lending scenarios, recommend suitable loan structures, resolve policy and servicing issues, and ensure applications are positioned effectively for approval. You will also be responsible for maintaining accurate records, updating CRM systems, supporting brokers with complex lending enquiries, and ensuring all submissions meet lender and compliance requirements.

Responsibilities

• Assess lending applications and determine suitability based on client circumstances and lender requirements.
• Analyse client income, liabilities, assets, expenses, and servicing capacity.
• Review supporting documentation including income verification, financial statements, taxation documents, and other relevant records.
• Conduct servicing calculations using lender calculators and scenario assessment tools.
• Research and compare lender policies to identify suitable lending solutions.
• Structure loan applications to maximise approval outcomes while meeting client objectives.
• Identify credit risks, policy exceptions, and potential mitigation strategies.
• Prepare detailed and professional credit submissions for lender assessment.
• Provide brokers with recommendations regarding lender selection, loan structure, and application strategy.
• Liaise with lenders and BDMs regarding policy clarification and application requirements.
• Support brokers with complex lending scenarios and credit enquiries.
• Monitor application progress and assist in resolving credit and policy-related issues throughout the approval process.
• Maintain accurate CRM records, file notes, and supporting documentation.
• Ensure all applications comply with responsible lending obligations, lender requirements, and internal policies.
• Assist with quality assurance reviews and file audits as required.
• Stay informed of lender policy updates, industry changes, and market developments.
• Use document management and digital workflow systems to manage workload effectively.
• Support brokers and operations teams with general lending, credit, and administrative tasks as required.

Requirements

• A higher education degree in Finance, Commerce, Accounting, Economics, or a related discipline is preferred.
• Minimum 3 years' experience in Australian mortgage lending and credit support.
• Strong understanding of Australian lending policies and credit assessment principles.
• Experience assessing a broad range of lending scenarios and borrower profiles.
• Strong experience using ApplyOnline (AOL), lender portals, CRM systems, aggregator platforms (e.g., MyCRM, Loanapp, Salesforce, HubSpot), and related loan lodgement systems.
• Experience with Quickli and other servicing and scenario assessment tools is highly regarded.
• Ability to interpret financial statements, taxation documents, income verification records, and supporting financial documentation.
• Strong analytical, problem-solving, and organisational skills with a high attention to detail.
• Ability to manage multiple applications, priorities, and deadlines simultaneously.
• Excellent verbal and written communication skills, with the ability to prepare professional credit submissions and liaise effectively with stakeholders.
• Strong proficiency in Microsoft Office, Google Workspace, and cloud-based systems.

Benefits

• Medical, dental, and life insurance from day one
• Paid vacation
• Sick leave (with quarterly conversion)
• Competitive salary and annual appraisals
• Financial assistance program
• Mandatory government benefits and 13th-month pay
• Company events - promoting work-life balance and career growth

Only shortlisted candidates will be contacted.