Credit Analyst (Mortgage Lending)

Location: Manila, Metro Manila, Philippines; 100% remote under an Independent Contractor Agreement. Working hours follow AU business hours.

Salary: Php 100,000 per month; the final amount depends on the client’s discretion, skills, and experience.

Company

Financial services and mortgage broking organisation delivering tailored lending solutions through a broad panel of lenders.

What you will do

• Analyse client income, expenses, liabilities, assets, and overall financial profiles.
• Assess borrowing capacity and identify suitable residential loan products across multiple lenders.
• Prepare, structure, and review loan applications before submission.
• Identify credit risks and provide recommendations supporting lending decisions.
• Liaise with brokers, lenders, and clients to obtain and verify documentation.
• Track application progress, maintain accurate records, and support brokers with lender policy interpretation and scenario analysis.

Requirements

• Experience in mortgage broking, banking, financial services, or credit analysis.
• Strong understanding of residential lending policies and credit assessment processes.
• Analytical, problem-solving, communication, and stakeholder management skills.
• High attention to detail and accuracy in documentation and compliance.
• Ability to manage multiple priorities and meet deadlines in a fast-paced environment.
• Advanced Microsoft Excel and Google Sheets skills, with familiarity with aggregator platforms and lender systems.

Culture & Benefits

• Remote work arrangement under an independent contractor agreement.
• Work aligned with AU business hours.
• Use of loan processing, CRM, document management, credit reporting, communication, and workflow tools.

Hiring process

• Possible multiple client interviews.
• Assessment as part of the recruitment process.