Connectos | Credit Analyst

vor 5 Stunden

Central Coast, Österreich Tideri Jobbörse Vollzeit

Schedule: Monday – Friday (9:00 AM - 6:00 PM AEST)
Salary Range (Php50,000 to Php80,000)
What are we looking for?

Skills Required:
Bachelor's Degree Prior experience in the AU broking/banking/mortgage industry and exposure to consumer credit is preferred.
Strong analytical skills essential for assessing financial statements, credit risk, and asset valuations.
Proficient in financial modeling, cash flow analysis, and financial statement interpretation.
Deep understanding of commercial real estate markets, industry trends, and economic factors that impact credit risk.
Excellent verbal & written communication to convey credit analysis findings and recommendations to stakeholders.
Ability to meticulously review financial documents and assess credit risk factors.
Familiar with lending regulations and compliance requirements.
Nice to Have:
Certificate IV Financing & Mortgage Brokering What will you do?

Review and analyze the creditworthiness of residential & commercial borrowers and associated assets, such as commercial properties or business assets, evaluating financial statements, cash flow projections, credit reports, and other relevant documents.
Assess the risk associated with the residential & commercial mortgage loan application, 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, including property appraisals, site visits, and environmental assessments.
Analyze the financial statements of the borrower's business, including income statements, balance sheets, and cash flow statements, assessing the business's ability to generate sufficient cash flow to cover debt service.
Understand and evaluate economic and industry-specific factors that may impact the borrower's ability to repay the loan, including 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, providing 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.
Keep 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:
Work Set up: Work from Home.
Competitive salary package and annual performance review.
One-month paid training program to help you get up to speed and excel in your role.
Opportunity to attend events and travel to Australia.
Chance to earn your CERT IV in Mortgage Broking and Finance, a great way to upskill and advance your career.
Bi-Annual Vacation Leave credit/allotment.
Convertible to cash of unused sick leave.
On-Top Leave Credits (Birthday, Emergency, and Bereavement Leave).
HMO Coverage (Medical, Dental, and Group Life insurance).
Mandatory Government Benefits and 13th Month Pay.
Financial Assistance program through one of the leading FinTech Companies in the Philippines.
New referral bonus program where you can earn PHP 21,000 for every successful referral you make.
Regular Company Events, Work-Life Balance.
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.

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.

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