Dec
16
December 16, 2025 | Comments Off on Credit Analyst & Loan Processor | WFH | Day Shift
Credit expertise that keeps home loans moving forward Our client is a leading boutique mortgage and financial advisory firm that transforms complex lending into clear, tailored solutions. They help homeowners and investors save, build wealth, and reach long-term financial goals with precision and integrity. Renowned for trusted guidance, compliance excellence, and hundreds of satisfied clients each year, they combine advanced tools with personalised service. As an employer, our client nurtures professional growth, global exposure, and mentorship opportunities-offering a dynamic environment where your credit expertise drives smarter mortgage outcomes.
Your Role in the Bigger Picture Be part of our client's team as a
Credit Analyst & Loan Processor, where you'll support brokers by preparing high-quality loan applications, conducting credit assessments, managing documentation, and coordinating with lenders. You'll ensure files progress smoothly from submission to settlement, maintaining accuracy, compliance, and excellent client service throughout.
Role Snapshot Employment type: Full-time
Shift: Day Shift, Weekends Off
Work setup: Work from home
What You'll Enjoy
Competitive Salary Package
Permanent WFH arrangement
HMO coverage with free dependent upon regularization
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
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 We're Looking For Essential
Minimum 5 years of experience as a Loan Processor or Credit Analyst (mortgages preferred)
Strong understanding of lender credit policy fundamentals
Working knowledge of compliance requirements (NCCP, BID, AML/CTF)
Excellent attention to detail and accuracy
Strong written and verbal communication skills
Experience with mortgage CRMs (e.g., Flex / Brokerengine)
Proven time management and workflow prioritisation skills
Desirable
Experience with lender portals and ApplyOnline
Exposure to self-employed, trust, or complex lending structures
Understanding of living expense verification and credit scoring
Banking or financial services background
Personal Attributes
Professional, reliable, and trustworthy
Client-focused with high ownership and accountability
Calm under pressure and solution-oriented
Proactive, eager to learn, and team-focused
Technology & Systems Used
CRM (e.g., Flex / Brokerengine)
ApplyOnline
Lender portals
VOI systems
Bank statement retrieval tools (Illion / Basiq)
Microsoft 365
Career Pathways
Senior Credit Analyst
Team Leader - Loan Processing
Broker Support Manager
Mortgage Broker / Credit Representative
What You'll Be Responsible For Pre-Lodgement & Assessment
Review fact-find, scenario notes, and client objectives
Conduct initial credit analysis and assess borrowing capacity
Identify policy alignment and lender suitability
Review and verify supporting documents (income, ID, liabilities, expenses)
Prepare full loan applications in CRM and ApplyOnline
Identify missing information and follow up with brokers or clients
Lodgement
Complete and upload applications into lender portals
Ensure accuracy of data entry and lender-specific requirements
Prepare submission notes aligned with lender credit policy
Maintain file compliance in CRM and internal systems
Post-Lodgement
Manage lender follow-ups, valuation bookings, and outstanding items
Respond to lender credit requests in a timely manner
Update brokers and clients on application progress
Address issues proactively and escalate where required
Approval & Settlement
Review conditional and formal approvals for accuracy
Ensure all conditions are met prior to settlement
Coordinate discharge authorities for refinancing
Liaise with settlement teams, solicitors, and lenders
Prepare settlement packs for internal review
Compliance & Quality Assurance
Maintain up-to-date knowledge of lender policies and NCCP requirements
Ensure all client files meet internal and external compliance standards
Follow file management, naming conventions, and documentation requirements
Support internal audits and post-settlement checks
Workflow & Administration
Maintain Work In Progress (WIP) pipeline daily
Meet internal service level agreements (SLAs)
Assist with pricing requests, scenario research, and lender escalations
Contribute to continuous improvement of internal systems and workflows
Key Performance Indicators (KPIs)
Ensure accuracy of loan submissions (low rework rate)
Meet loan approval and settlement conversion timelines
Maintain SLA turnaround time on client and lender tasks
Achieve compliance quality and audit scores
Ensure file completeness and documentation accuracy
Communicate effectively within internal teams
Maintain client and broker satisfaction
Welcome to Emapta Philippines! Join a team that values camaraderie, excellence, and growth. Recognized as one of the
Top 20 Dream Companies of Filipinos in 2024, Emapta stands proudly alongside industry giants, offering stability and exciting career opportunities. Your career flourishes here with competitive compensation, international clients, and a work culture focused on collaboration and innovation. Work with global clients across industries, supported by a stable foundation and like-minded professionals passionate about making an impact. We empower your success with opportunities for personal and professional development in an inclusive environment.
Apply now and be part of the
#EmaptaEra!