Credit-Ready Applications Backed by Strong Servicing Expertise
As a Senior AU Credit Analyst, you will apply your expertise in ApplyOnline, servicing calculators, credit assessment, and application workflows to support accurate, credit-ready submissions. This role is built for mid to senior-level professionals who can assess borrowing capacity, review complex scenarios, interpret policies, and manage application requirements with confidence. With Emapta, you gain a permanent work-from-home career, day shift schedule, international exposure, premium benefits, and long-term growth designed for top 1% talent.
Career Snapshot
Employment type: Full-time
Shift: Day Shift, Weekends Off
Salary: Up to PHP 70,000
Work setup: Work from home
Perks of the Role
- Day 1 HMO coverage with free dependent
- Competitive Salary Package
- Permanent WFH arrangement
- Fixed weekends off
- Day shift schedule
- Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)
- Unlimited upskilling through Emapta Academy courses (Want to know more Visit https://bit.ly/EmaptaTrainingCalendar)
- Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer!
- Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more!)
- Unlimited opportunities for employee referral incentives across the organization
- Standard government and Emapta benefits
- Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)
- Fun engagement activities for employees
- Mentorship and exposure to global leaders and teams
- Career growth opportunities
- Diverse and supportive work environment
What You'll Bring to the Table
- 5-8+ years of experience in credit analysis, loan assessment, mortgage support, broker assistance, or a related finance role
- Minimum of 1 year of credit analysis experience within an Australian credit or loan assessment environment
- Required hands-on experience lodging Australian loan applications through ApplyOnline
- Required experience using servicing calculators to determine borrowing capacity, affordability, and lending suitability
- Strong knowledge of Australian loan application workflows, credit assessment, loan structuring, lender policies, approval requirements, NCCP, responsible lending obligations, and mortgage compliance standards
- Experience assessing complex borrower profiles, including PAYG, self-employed, trust, company, SMSF, and multi-income scenarios
- Skilled in compiling, reviewing, and submitting complete loan application files and credit-ready applications
- Working knowledge of Australian credit, CRM, or application workflow platforms such as Salestrekker, Mercury Nexus, FLEX, or similar tools
- Strong ability to review lender policies, recommend suitable loan options, and ensure accurate application submissions
- Excellent analytical, documentation, attention to detail, accuracy, verbal communication, and written communication skills
- Highly preferred: exposure to major banks, non-bank lenders, second-tier lenders, pricing requests, annual reviews, post-settlement tasks, portfolio reviews, high-volume mortgage processing, credit support, or lending operations
Your Daily Impact
- Perform servicing, borrowing capacity, affordability, and suitability calculations using standard lending tools and credit assessment methods
- Assess different borrower profiles, including employed, self-employed, trust, company, SMSF, and multi-income scenarios
- Review lending policies and requirements to support well-structured and credit-ready application recommendations
- Manage application workflows from document collection and verification through submission
- Prepare, validate, and lodge complete applications using online lodgement platforms
- Review compliance documents, forms, and supporting requirements to ensure completeness and accuracy
- Coordinate with internal teams, external partners, applicants, and other relevant stakeholders throughout the application process
- Provide application updates, follow up on outstanding requirements, and manage next-step actions
- Work with credit and assessment teams to support application progress and approval outcomes
- Track application status, monitor pending items, and follow up on outstanding conditions
- Support approval, settlement coordination, and related documentation requirements
- Assist with post-settlement activities, including pricing reviews, annual reviews, and portfolio-related tasks
Join the Top 1% Talent. A better career. A better life.
At Emapta Philippines, careers are built with intention. Work with global clients, gain exposure to world-class standards, and grow in an environment designed for long-term success. Recognized as one of HR Asia's Best Companies to Work For in Asia 2025 and a finalist in the 2026 Inspiring Workplaces Awards Asia, Emapta stands among the region's most respected employers, committed to empowering talent through stability, opportunity, and continuous development.
Step into a career that moves with you. Applytoday!
