信用分析师
Credit Analyst
职位：信用分析师
薪资范围：每月100,000菲律宾比索（最终金额由客户根据候选人的技能和经验决定）
工作时间：遵循澳大利亚营业时间
工作安排：在独立承包协议下进行100%远程办公
假期：待定
招聘流程：可能有多次客户面试和评估
公司简介
一家专注于为个人和投资者提供定制贷款解决方案的金融服务和抵押贷款经纪公司。该企业与广泛的贷款机构合作，提供具有竞争力的贷款选项，同时保持强大的合规性、准确性和以客户为中心的服务。
职位概述
信用分析师负责评估客户财务状况，确定借款能力，并确保贷款申请符合贷款机构政策和监管要求。该职位与经纪人和贷款机构紧密合作，以构建申请、管理信用风险并支持成功的贷款结果。
主要职责
- 分析客户的财务信息，包括收入、支出、负债和资产
- 评估借款能力并确定适合的贷款产品，适用于多个贷款机构
- 在提交前准备、构建和审查贷款申请
- 识别信用风险并提供明确的建议以支持贷款决策
- 与贷款机构、经纪人和客户联系，获取和验证所需文件
- 确保所有申请符合贷款政策、信用指南和监管标准
- 维护准确的记录并在CRM和贷款系统中跟踪申请进度
- 同时处理多个贷款申请并满足截止日期
- 为经纪人提供贷款政策解释和情景分析支持
工具与软件
- 贷款处理平台（例如：Infinity、ApplyOnline、Mercury、Flex、AOL）
- CRM系统（例如：Salesforce、HubSpot、Quickli、特定经纪人的CRM）
- Microsoft Excel（高级）和Google Sheets
- 文档管理系统（SharePoint、Google Drive、Dropbox）
- 信用报告机构（Equifax、Illion、Experian）
- 沟通工具（Microsoft Teams、Zoom、Outlook）
- 工作流/项目工具（Monday.com、Asana、Trello）
要求
技能与经验
- 在抵押贷款经纪、银行、金融服务或信用分析方面的经验
- 对住宅贷款政策和信用评估流程有深入了解
- 优秀的Excel技能和数据分析能力
查看英文原文
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
Originally posted on Himalayas