Schedule: Monday – Friday (9:00 AM - 6:00 PM AEST)
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.
- Has s strong analytical skills been essential for assessing financial statements, credit risk, and asset valuations.
- Need to be 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 be able to convey credit analysis findings and recommendations to stakeholders.
- Has the ability to meticulously review financial documents and assess credit risk factors.
- Needs to be familiarity with lending regulations and compliance requirements.
Nice to Have:
- Certificate IV Financing & Mortgage Brokering
What will you do?
- Review and analyze the creditworthiness of 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 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 (commercial real estate, equipment, or other assets) to determine its value and marketability. This may involve 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. 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 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.
- Stayed 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 commercial lending regulations, credit analysis techniques, and best practices in the filed.
Join the awesome team and enjoy these benefits & perks:
- Hybrid, One-month on-site training will be provided, followed by a transition to Work from Home
- Paid Vacation and Sick Leave (with Quarterly Sick Leave Conversion)
- Competitive salary package and annual appraisal
- Financial Assistance Program
- Mandatory Government Benefits and 13th Month Pay
- Complimentary Sleeping Quarters, Coffee at no cost
- Complimentary Office Fitness and Wellness Facilities at no cost
- Regular Company Events, Work Life Balance, and Career growth opportunities
- Accessible location at the heart of Metro Manila --- the Mega Tower, EDSA
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.
#ConnectOS #ConnectOSCareers #TeamConnectOS
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.
