Credit Analyst Commercial (AU Mortgage, WFH) with P30k Sign-On Bonus

Remote from
Philippines flag
Philippines
Annual salary
Undisclosed
Salary information is not provided for this position. Check our Salary Directory to estimate the average compensation for similar roles.
Employment type
Full Time,
Job posted
Apply before
16 Jul 2025
Experience level
Entry-Level
Junior
Views / Applies
12345 / 123
Verified job posting
This job post has been manually reviewed for authenticity and compliance.

Join Australia’s largest mortgage aggregator and unlock new opportunities!

Schedule: Monday – Friday (06:00 AM to 03:00PM PHT)

A Commercial Credit Analyst is highly responsible for assessing the creditworthiness of a commercial borrower seeking mortgage loans or financing for commercial real estate and other assets. Their role is essential in helping financial institutions manage risk and make informed lending decisions in the commercial real estate sector

What are we looking for? 

Skills Required:

  • Bachelor’s degree in finance, accounting, economics, business administration, or a related field.
  • Minimum of 3 years’ experience in credit analysis or a similar role within the mortgage or finance industry.
  • Experience in using MyCRM, Infynity, Mercury Nexus, Flex, Salestrekker or other CRM Software in the mortgage broking industry
  • Proficient in using financial analysis tools.
  • Strong understanding of Commercial Loans.
  • Has a strong understanding of various income streams and is confident in income calculations. for PAYG,
  • Self-employed and company and trust structures.
  • Knowledgeable in using lenders’ servicing calculators to assess clients’ borrowing capacities and ensure loan submissions meet the required policies and compliance requirements.
  • Has excellent verbal & written communication to be able to convey credit analysis findings and recommendations to stakeholders.

What will you do? 

  • Review and analyze the creditworthiness of residential & commercial borrowers and the associated assets, such as commercial properties or business assets. This involves evaluating financial statements, cash flow projections, credit reports, and other relevant documents.
  • Assesses the risk associated with the residential & commercial mortgage loan application. This includes analyzing the borrower’s financial stability, repayment capacity, and the quality and value of the underlying collateral.
  • Conduct thorough assessments of the collateral (residential & commercial real estate, equipment, or other assets) to determine its value and marketability.
  • Analyze the financial statements of the borrower’s business, including income statements, balance sheets, and cash flow statements. The analyst assesses the business’s ability to generate sufficient cash flow to cover debt service.
  • Understand and evaluate the economic and industry-specific factors that may impact the borrower’s ability to repay the loan. This includes assessing market trends and competitive dynamics.
  • Collaborate with loan officers and underwriters to structure loan terms and conditions that align with the borrower’s needs while managing credit risk effectively.
  • Ensure that all lending decisions and documentation comply with federal, state, and local regulations governing residential & commercial real estate lending.
  • Communicate credit decisions, loan terms, and conditions to borrowers and other stakeholders. Analysts may also provide recommendations for improving creditworthiness when necessary.
  • Recommend risk mitigation strategies, such as requiring personal guarantees, adjusting interest rates, or modifying loan covenants, to offset credit risk.
  • Stay informed about commercial real estate market conditions, economic trends, and industry developments to inform credit decisions and risk assessments.
  • Keeping up-to-date with changes in residential & commercial lending regulations, credit analysis techniques, and best practices in the field.

Join the awesome team and enjoy these benefits & perks:

Benefits

An exciting opportunity to work with largest and most progressive aggregator group across Australia and New Zealand supporting a community of over 6,000 brokers and advisers.

  • Offers one-month onsite paid training program, to help you get up to speed and excel in your role.
  • Flexible Work Set up: Work from Home or Hybrid or on-site.
  • Competitive salary package and annual performance review, monthly rewards and recognition program.
  • Opportunity to attend events and travel to Australia.
  • Chance to earn your CERT IV in Mortgage Broking and Finance, which could be a great way to upskill and advance your career.
  • Access to knowledge base tools, resource center and training library.

 

Financial Perks:

  • Access to a Financial Assistance Program through one of the leading FinTech Company in Philippines.
  • Earn as much as PHP 21,000 referral bonus – help a friend land a job and get rewarded.

 

Work-Life Integration and Perks:

  • WFH Engagements: Remote learning and employee development activities, Wellness sessions and health talks, Virtual team games and contests (Trivia, TikTok, Photo Challenges)
  • Regular company-wide events, engagement activities, and a culture that values work-life balance
  • Employee-wellbeing Office Facilities (Gym, Wellness Room, Childcare Facility, Entertainment Room, World-class Training Rooms)
  • Cafeteria with affordable food concessionaire partners.
  • Complimentary coffee and ice cream every day.
  • Sleeping Quarters and Shower rooms for comfort and convenience.

 

Prime Location

  • Conveniently located at Mega Tower, EDSA — the heart of Metro Manila

JOIN CONNECTOS NOW!

ConnectOS is certified as a Great Place to Work and is a top-rated Philippines employer of choice.

Our client is the largest and most progressive aggregator group across Australia and New Zealand supporting a community of over 6,000 brokers and advisers. Helping over 300,000 customers settle over $130 billion worth of loans in 2022 and reaching a collective loan book of $350 billion.

#ConnectOSCareers #JoinConnectOS #ConnnectOSNonTech

Equal Employment Statement

Employment decisions at ConnectOS will be conducted without consideration of factors such as age’, race, color, religion, gender, disability status, sexual orientation, gender identity or expression, genetic information, and marital status. ConnectOS ensures the full confidentiality of the data it processes.

#LI-JS2

Apply now >

Annual salary information is not provided for this position. Explore salary ranges for similar roles in our Salary Directory ›

This job listing has been manually reviewed by the Jobicy Trust & Safety Team for compliance with our posting guidelines, including verification of the company's legitimacy, accuracy of job details, clarity of remote work policy, and absence of misleading or fraudulent content.

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FAQ

What position is ConnectOS hiring for?

ConnectOS is hiring a remote Credit Analyst Commercial (AU Mortgage, WFH) with P30k Sign-On Bonus from 🇵🇭 Philippines

What type of employment does ConnectOS offer?

This is a Full Time role.

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