Pear Tree.

Senior Credit Analyst

Pear Tree.

full-time

Posted on:

Location Type: Remote

Location: Philippines

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Salary

💰 ₱90,000 - ₱130,000 per month

Job Level

Senior

About the role

  • Conduct advanced credit assessments for Australian mortgage applications, including PAYG, self-employed, investor, and SMSF scenarios.
  • Complete accurate servicing calculations in line with Australian lender requirements.
  • Analyse borrower financials, including tax returns, cash flow statements, and balance sheets.
  • Research and interpret lender policies to identify suitable and competitive lending solutions.
  • Recommend loan structures that meet lender criteria while supporting client objectives.
  • Prepare high-quality credit proposals and lender submissions.
  • Package applications accurately, efficiently, and in compliance with lender and industry standards.
  • Liaise with lenders regarding policy clarification, credit decisions, and conditions.
  • Assist with broker-delegated client communication when required.
  • Use MyCRM daily to manage pipeline, workflows, and client documentation.
  • Maintain high standards of compliance, policy accuracy, and credit quality.
  • Collaborate with brokers to refine internal systems, templates, and processes.
  • Communicate using Outlook, Microsoft Teams, and related tools.

Requirements

  • Minimum 5 years’ experience in Australian home loan lending, mortgage credit analysis, or mortgage broking.
  • Strong working knowledge of Australian lender policies and servicing models.
  • Proven ability to structure loans and assess complex credit scenarios.
  • High-level capability in interpreting financial statements.
  • Experience with MyCRM preferred but not essential.
  • Experience using Apply Online.
  • Proficient with lender servicing calculators and Excel-based models.
  • Confident using Outlook and Microsoft Teams.
  • Excellent written and spoken English.
  • Strong attention to detail and accuracy.
  • Ability to work independently and take ownership of outcomes.
  • Professional communication style and strong work ethic.
Benefits
  • Competitive salary aligned with Australian market rates, based on experience.
  • Performance-based bonuses linked to settled loans and credit quality.
  • Fully remote work-from-home arrangement.
  • Company-provided laptop, monitor, software, and communication tools.
  • Long-term career progression with increasing responsibility.
  • Supportive, professional environment with clear systems and expectations.
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
credit assessmentservicing calculationsfinancial analysisloan structuringcredit proposal preparationcompliance standardscredit quality assessmentlender servicing calculatorsExcel-based modelsmortgage credit analysis
Soft Skills
attention to detailprofessional communicationindependenceownership of outcomesstrong work ethicwritten communicationspoken communicationcollaborationclient communicationpolicy interpretation