Pear Tree.

Credit Analyst - 159

Pear Tree.  •  Manila, PH (Remote)  •  1 month ago
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Job Description

Position Credit Analyst

Salary PHP 90,000 - 119,000/mo

Working Hours & Conditions Aligned with Australian hours; full-time (remote)

Holidays AU Holidays

ABOUT THE COMPANY

The client is a leading mortgage and finance brokerage based in Parramatta/Concord, Sydney. They specialise in delivering strategic lending solutions across the Australian property market.

With over 1,000 successful transactions and hands-on experience as property investors, they work with a broad panel of lenders to structure tailored finance solutions for:

  • First-home buyers
  • Experienced property investors
  • Self-employed clients

Their mission is simple – to simplify complex lending and help clients build long-term wealth through smart financial strategies and ongoing partnerships.

We are looking for an experienced Senior Credit Analyst to become a key driver of the client's operations.

This is not a junior processing role. You will play a strategic, client-focused role where your expertise directly influences deal outcomes. We are seeking someone who understands the “why” behind credit decisions, not just the process.

You will take ownership of the end-to-end loan lifecycle, from structuring and assessment through to submission and approval, working on a wide range of complex lending scenarios including:

  • Self-employed lending (Full-doc & Alt-doc)
  • Refinancing, equity releases, and portfolio expansion (4+ properties)
  • SMSF lending
  • (Bonus) Exposure to commercial lending or asset finance

RESPONSIBILITIES

  • End-to-End Loan Ownership
    • Manage the full credit process within MyCRM
    • Structure applications in line with aggregator (Loan Market) and lender requirements
  • Strategic Credit Analysis
    • Assess client financials, servicing capacity, and risk profiles
    • Recommend optimal lending strategies and products
  • Compliance & Quality Assurance
    • Perform detailed checks on all documentation
    • Ensure accuracy and minimise rework or lender queries
  • Lender & Stakeholder Management
    • Liaise with a panel of 40+ lenders
    • Navigate policy nuances and advocate for approvals
  • Process Improvement
    • Identify inefficiencies and implement scalable workflows
    • Contribute to operational growth and efficiency
  • Team Support & Mentorship
    • Guide junior team members and VAs
    • Act as the escalation point for complex scenarios

Benefits

QUALIFICATIONS

  • Relevant Experience
    • 4+ years in the Australian mortgage broking industry
  • Educational Background
    • Degree in Finance, Accounting, Business, or a related field
  • Strong Critical Thinking
    • Ability to interpret the full financial picture beyond checklists
  • Excellent Communication Skills
    • Clear, professional English (written & verbal)
    • Ability to explain complex lending scenarios simply
  • High Level of Independence
    • Self-driven and confident in decision-making
    • Able to manage workload without constant supervision
  • Exceptional Attention to Detail
    • A precision mindset — accuracy is non-negotiable
  • Technical Expertise (Essential)
    • Advanced experience with MyCRM
    • Strong familiarity with Loan Market aggregator systems
    • Deep understanding of Australian lending policies and servicing calculators
  • Reliable Remote Setup
    • Stable high-speed internet and dependable work environment aligned with AEST hours

Why Join Us?

  • Work with a high-performing, growth-focused brokerage
  • Exposure to complex, high-value deals (not just basic processing)
  • Opportunity to play a key role in scaling the business
  • Long-term career growth with a strategic, forward-thinking team
Pear Tree.

About Pear Tree.

🚀 Expand Your Team Without Compromise (www.pear-tree.com)

You want to grow your team with the right people, but you’re hitting challenges like; Increasing hiring costs, A shallow local talent pool, Concerns about consistency and quality.

The dilemma: do you overspend to secure top local talent, or settle for less-than-ideal candidates who hold back your growth?

Why Going It Alone is Tough

- Traditional recruitment is expensive and draws from the same limited pool.

- Freelance platforms can’t guarantee long-term quality or reliability.

- Hiring overseas comes with complex legal and compliance hurdles.

🌎 We Make Global Hiring Simple

Pear Tree takes the complexity out of international recruitment. We match you with skilled, reliable, and cost-effective professionals from the Philippines, India, Nepal, South Africa and Latin America who fit your business perfectly.

- Substantial savings on recruitment and salary costs

- Access to a wide, highly skilled talent market

- A streamlined hiring process that saves you time

- Confidence backed by our 6-month “Perfect Hire” Guarantee

🔑 Our Process

1. Source and rigorously vet candidates on your behalf

2. Arrange and support the interview process

3. Hold your hand through the legal and logistical requirements that come with overseas hiring

4. Provide ongoing support to ensure seamless onboarding and retention

✅ A Smarter Way to Scale

Forget the false choice between paying top dollar locally or settling for poor hires. We give you a better option: affordable, skilled, and dependable international talent.

Join leading entrepreneurs and business owners already benefiting from this approach.

Book a call today and let us help you define your role, write your job description, and secure your next star team member — guaranteed.

Industry
HR & Recruiting
Company Size
1-10 employees
Headquarters
Sydney, AU
Year Founded
Unknown
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