Mortgage Credit Analyst
Job Summary:
We are seeking a professional and reliable Mortgage Credit Analyst to join our team! You will be responsible for assessing the creditworthiness of loan applicants, ensuring compliance with lending regulations, and working with real estate agents to ensure a successful and timely close.
Key Responsibilities:
Assess each borrower’s financial statements and credit data to determine their creditworthiness.
Prepare paperwork for clients actively applying for a mortgage loan and help them pull together all the necessary documents and credit information to submit a complete and viable loan application to lenders.
Review mortgage disclosures to make sure all federal and state lending regulations are followed.
Work with real estate agents to make sure they understand what is required for clients to successfully apply for a mortgage loan.
Maintain current and accurate records for each client throughout the lending process and ensure sensitive information is handled with the utmost care.
Present progress reports and updated financial data to the mortgage team to ensure a successful close.
Requirements:
Minimum of 2-3 years of experience in the mortgage or financial services industry, specifically in credit analysis or underwriting.
Proficiency in mortgage software and financial analysis tools
Advanced skills in Microsoft Excel, including financial modeling and data analysis.
Familiarity with credit reporting systems and tools.
Strong analytical and problem-solving skills to assess the creditworthiness of borrowers and identify potential risks.
Ability to interpret complex financial statements, credit reports, and other financial data.
Strong time management and organizational skills to handle multiple tasks and clients simultaneously.
Attention to detail to ensure accuracy in financial assessments and documentation.
Technical Requirements:
Equipment is self-provided
Computer:
RAM: 8GB
CPU/Processor: Intel Core i5 or AMD Ryzen 5 (12th generation or newest)
HDD/SDD: 512 GB
Operating System: Windows 11 Home or Pro
Accessories:
Power Backup: Powestation, Powerbank, UPS, etc.
Extra Display: Secondary/External Monitor
Audio & Video: Noise-Cancelling Headset + Web Cam
Internet:
Internet Speed: 40-50 Mbps minimum bandwidth speed for both Downloads and Uploads.
Contractor Perks & Rewards:
20 Paid Time Off
Referral Bonus – 70 AUD per successful referral to the Wingman platform (paid at 1st month mark with a client contract).
Annual Trip – connect with the broader Wingman community in person.
Dedicated Support Contact (CSM) – someone to help you succeed and stay connected.
Access to a Network – collaborate with fellow contractors and onshore specialists.
Opportunities to Upskill – optional sessions, peer learning, and developmental pathways.
More Work, More Opportunity – potential for additional contracts, Statements of Work, or expanded workloads.
High-Impact Projects – work alongside top-tier Australian partners on meaningful assignments.
Flexibility First – deliver your work in your way, with full autonomy on how you achieve outcomes.
Advisory Support – HR, Tax, and setup guidance available to make contracting seamless.
100% Work-From-Home Contracts – all engagements designed for remote delivery.
Pre-engagement requirements for Independent Contractors:
BIR as you are a contractor (Required to submit any contributions required by the government.)
NBI or Police Clearance
Any Government-issued ID
Please note:
Only qualified candidates will be invited for an interview.
As published by recruitee · 45 questions · 7 written answers
Basics
Full name, Email, CV, Phone
Short answers (14)
- If Yes, please fill-out their name below: optional
- If yes, please explain briefly.
- What is the difference between an Owner-Occupied Property and Investment Property?
- What documentation is required for a mortgage broker to determine Self Employed Income?
- For Currently Employed Applicants, what motivated you to apply for this position while still employed?
- If offered the position, when would you be available to start?
- If you have held multiple positions in a short timeframe. Can you explain the reasons for changing jobs frequently?
- For Unemployed Applicants, can you explain the reasons for your current unemployment?
- Name
- Relationship
- Email Address
- Contact Number
- Company
- Company Email Address
Pick from a list (17)
- This is a WFH set-up and the shift schedule starts from 7AM to 4PM MNL time, Mondays to Fridays only. Are you able to work these hours?
- Were you referred to us by an existing staff member?
- Would you be open to weekend work if required?
- Are you willing to comply with BIR self-registration as part of the pre-employment process? Note: This is mandatory and you will be required to have it sorted prior to starting with a client
- How many years of Australian Mortgage Broker experience do you have?
- Have you worked with other international clients or teams, particularly from countries like: Australia, the United States, New Zealand or UK?
- If yes, which international clients or teams have you worked with?
- Which areas of Mortgage Broker do you have experience in? (Select all that apply):
- Are you comfortable communicating with clients, vendors, and team members via call, text, email or other communication channels?
- Do you know what the differences are between the following loans: • Pre-Approval • Refinance • Construction • Purchase
- Do you have a dual monitor?
- Do you have a work from home location that has minimal noise, sufficient space, and can be closed off to others?
- Are you to provide the following pre-employment requirements: - BIR tax - NBI or Police Clearance - Government ID
- I understand that as part of Wingman’s Cyber Security Program, system monitoring and safety tools will be installed. These tools help ensure that Wingman and its associates remain secure, and also support the generation of accurate timesheet data.
- Please confirm that you understand your independent contractor agreement/contract will be under Singapore Law and the entity named Philippines Resources Pte. Ltd.
- Please confirm you accept your contract will be sent to you by our Singapore team and you may have to engage with them as well as the Philippines team for contract questions.
- I HEREBY AUTHORIZE Wingman Outsourcing to investigate my background and qualifications for purposes of evaluating whether I am qualified for the position to which I am applying. I consent to the processing of my personal information that are necessary and relevant to evaluate my application. I understand that Wingman Outsourcing may also utilize an outside firm/s to assist it in checking the veracity of information, and I specifically authorize such investigation by outside firms that may be hired by Wingman Outsourcing. I also understand that I may withhold my permission and that in such a case, no investigation will be done, and my application for employment will not be processed.
Written answers (7)
- Please briefly outline your relevant experience, including the types of clients you have worked with and the mortgage products you have dealt with.
- Which CRM software have you used in your previous roles? Please list all the CRM tools you use daily. (e.g., Mercury CRM, Self-Employed, PAYG, HubSpot) and indicate your level of proficiency for each. (Beginner, Intermediate, Advanced).
- What other tools or software relevant to mortgage broking do you have experience using? (e.g., comparison tools, processing software)
- What day-to-day communication tools have you used? Please share your experience with any communication platforms (e.g., Slack, Microsoft Teams, Zoom) that you've utilized.
- What Mortgage Broking softwares are you familiar with? (List them below)
- What experience with Australian Aggregators do you have?
- Is there a part of the process are you not comfortable around & need more support/training in?
Attachments (7)
- Specs of your device
- Main Internet Speed
- Back-up Internet Speed
- Please attach a picture of your equipment
- If yes, please attach a picture of your work set-up
- English Proficiency Test Result
- Personality Test Result
