Pear Tree.

Credit Analyst (Australian Mortgage) - 197

Pear Tree.  •  National Capital Region, PH (Remote)  •  30 days ago
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Job Description

Position Credit Analyst

Salary PHP 95,000 - 115,000/month

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

Holidays AU Holidays

ABOUT THE COMPANY

The client is a premier, client-focused mortgage brokerage headquartered in the Sutherland Shire, New South Wales, serving families and individuals across Australia. Operating as a trusted partner in the residential finance sector, the firm specializes in navigating the complexities of the mortgage market to deliver tailored lending solutions. With a core expertise in mortgage comparison, loan pre-approval, and strategic refinancing, the company leverages a robust network of over 30 lenders to ensure clients secure competitive rates and structures that align with their long-term financial goals.

We’re looking for a strategic Credit Analyst in the Australian Mortgage space who can turn client data into clear, accurate, and decision-ready recommendations.

RESPONSIBILITIES

  • File Assessment Review fact find and supporting documents
  • Servicing Run lender servicing scenarios across relevant lenders
  • Living Expenses Analyse actual expenses versus HEM benchmarks
  • Policy Fit Assess lender suitability based on current policy
  • Structuring Recommend optimal loan and lender combination
  • Credit Summary Produce standardised, decision-ready output for broker
  • File Handover Hand over to processor and check AOL/CRM entries before submission
  • Pricing Requests Run pricing requests as required

Requirements

QUALIFICATIONS

  • Proficient in Broker Engine — required for file review, handover and pre-submission checks
  • Minimum 3 years experience in the same role for a mortgage broker — bank-side experience alone is insufficient due to limited lender breadth
  • Broad lender exposure — must know policy and servicing for major, second and third-tier lenders
  • Proficient in Quickli for servicing scenarios
  • Ability to interpret PAYG and self-employed financials; trust and SMSF experience highly regarded
  • Strong working knowledge of living expenses analysis for serviceability purposes
  • Extensive AOL experience — required to act as a checkpoint on processor submissions, even though the analyst will not lodge applications directly
  • Solutions-oriented — able to identify issues and recommend the appropriate lender or structure
  • Attention to detail — picks up inconsistencies such as income mismatches, payslips not reconciling with YTD figures, understated living expenses, or liabilities missing from fact find versus credit report
  • Able to produce clear, concise recommendations to the broker and a clean handover pack for submission
  • Solid English and communication skills — will periodically liaise with bank BDMs to clarify scenarios or policy
  • Complex lending experience (trust, SMSF) advantageous to support new client acquisition
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
Website
pear-tree.com
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