Skip to content

SCALE YOUR CREDIT CAPACITY WITH AN OFFSHORE CREDIT ANALYST

Move spreading, serviceability modelling and credit paper preparation off your onshore team. Our analysts in the Philippines build the file, so your credit managers spend their time deciding rather than assembling.

Hire Staff Now Download Role Overview
FinServ Display - Financial Analyst
  • Free up your core team
  • Lower operating costs
  • Capacity to grow
300+
Businesses Helped
1k+
Skilled Professionals
20 days
Avg time to hire
97%
Staff Retention
THE BUSINESS CHALLENGE

Solving broking capacity

bottlenecks

Insurance and mortgage brokers face constant pressure to grow portfolios while maintaining strict compliance and service standards. However, senior onshore brokers often spend up to 40% of their working hours on administrative back-office tasks rather than advising clients and closing new business.

Common bottlenecks include:

rising-costs

Margins under pressure?

High onshore labor costs making administrative hiring unsustainable

team-burnout

Core team stretched thin?

Onshore broker burnout caused by repetitive data entry and document processing

high-turnover

Delayed customer service?

Delayed renewal processing and quote generation due to capacity limits

hiring-bottlenecks

Hiring hurdles?

Difficulty finding and retaining qualified talent locally

THE BUSINESS CHALLENGE

SOLVING CREDIT ASSESSMENT Bottlenecks 

Lenders and financial services firms face constant pressure to grow the book while holding credit quality and turnaround times. But experienced credit staff spend much of their week spreading financials, chasing documents and building submissions rather than assessing risk and making decisions.

Common bottlenecks include:

rising-costs

Margins under pressure?

 High onshore labor costs making analyst hiring unsustainable 

team-burnout

Core team stretched thin?

Credit staff burnout caused by spreading and document chasing

high-turnover

Delayed customer service?

Slow turnaround on applications and annual reviews

hiring-bottlenecks

Hiring hurdles?

Difficulty finding and retaining credit-trained analysts locally

The role

Role overview & what you get

A dedicated offshore Credit Analyst prepares the assessment work that sits underneath a lending decision. They spread the financials, test serviceability, write the submission and keep the portfolio under review, with the decision itself staying with your onshore credit authority.

Build your team
01 Financial Analysis & Spreading
  • Spreading company and personal financial statements into your standard templates
  • Calculating leverage, interest cover, working capital and cash flow ratios
  • Reconciling tax returns, management accounts and bank statements for consistency
  • Flagging trends, anomalies and one-off items for the credit manager's attention
02 Credit Assessment & Submissions
  • Building serviceability and affordability models against your lending criteria
  • Drafting credit papers with background, security position and risk commentary
  • Applying internal risk grades and scorecards under credit team direction
  • Preparing conditions precedent and settlement checklists for approved files
03 Verification & Application Support
  • Ordering and reviewing credit bureau, ASIC, PPSR and title searches
  • Chasing outstanding documents from brokers, borrowers and accountants
  • Checking identification, income and supporting evidence against policy requirements
  • Keeping application records and file notes audit-ready in your system
04 Portfolio & Covenant Monitoring
  • Tracking financial covenants and reporting breaches as they surface
  • Preparing annual and periodic reviews on existing facilities
  • Monitoring arrears, limit excesses and watchlist accounts for escalation
  • Producing portfolio exposure and concentration reporting for management
Build your team
THE HAMMERJACK SOLUTION

Support built around your credit TEAM 

We help you build a dedicated offshore support model. By pairing your onshore credit team with a specialised offshore Credit Analyst in the Philippines, you remove assessment friction, lower operating overhead, and create real operational leverage.

What could your business achieve with the right team behind it?

Onshore

What stays with your team

  • Credit decisions and approvals
  • Delegated lending authority
  • Responsible lending duties
  • The client relationship
Offshore

What your hammerjack team handles

  • Financial statement analysis
  • Serviceability calculations
  • Credit submissions and papers
  • Covenant and arrears monitoring
Book an Advisory Call
HOW IT WORKS

Offshore that works. Real leverage.

icon_start_with_you
Understanding what you are solving for

We start with where your team is stretched, then build a plan around your budget, timeline, and the roles that would give you the most room.

icon_dedicated_account_manager
Finding the right talent

Our in-house recruiters source degree-qualified, experienced professionals, screened and tested for skill and long-term cultural fit with your brokers.

icon_smooth_setup
Full support for you and your staff

A dedicated Customer Success Manager and People & Culture partner look after the relationship on both sides, so your team stays engaged and aligned.

icon_new_hire_goes_live
Get real offshore value

We handle the employment, HR, IT, and compliance infrastructure. You keep control of the work, and get back capacity to grow.

FAQ

Will offshore admin staff follow our processes?
Yes. Staff are trained on your systems and workflows.
Can roles align to our operating hours?
Yes. Working hours can be structured to suit your needs.
Is offshore admin suitable for long-term roles?
 Yes. Teams are built for stability and continuity.

Don't just take our word for it

Real results, real partners. Discover how businesses like yours solved challenges and grew with us.

Tell us the roles you need filled

We'll handle the rest.