Pear Tree.

Parabroker, Credit Analyst – End-to-End

Pear Tree.

full-time

Posted on:

Location Type: Remote

Location: Philippines

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Salary

💰 ₱80,000 - ₱110,000 per month

About the role

  • Drive loan files from broker handover through document collection, analysis, submission, settlement, and post-settlement
  • Conduct living expense analysis
  • Analyse PAYG income including payslips, salary credits, and salary sacrifice arrangements
  • Analyse self-employed income (full doc assessment)
  • Pull and assess credit files
  • Identify liabilities from Fact Find, credit file, and bank statements
  • Conduct lender research, policy checks, and product recommendations
  • Complete detailed diary notes for internal records and submission
  • Prepare and package loan applications in Broker Engine
  • Order valuations and manage through to completion
  • Manage pricing requests
  • Liaise with XSource regarding MIRs and loan documents
  • Action returned MIRs and documents within expected timeframes
  • Track and manage lender conditions
  • Ensure strict compliance with lender policies and internal procedures
  • Rename and file all documents according to required naming conventions (no exceptions)
  • Save documents in correct folders immediately upon receipt
  • Edit all email templates and forms to ensure accuracy before sending
  • Ensure specialised documents are collected for complex scenarios (e.g., separation agreements, guarantor documents, bridging requirements)
  • Modify document requests to reflect actual deal circumstances (e.g., single applicant vs joint)
  • Track finance and settlement dates independently using Broker Engine and/or calendar tools
  • Follow up lenders, solicitors, and conveyancers
  • Ensure no file remains inactive beyond three days without valid reason
  • Escalate issues early and proactively

Requirements

  • At least 3 years of experience as a Credit Analyst or Parabroker (end-to-end processing required)
  • Strong understanding of the 5 C’s of Credit and lender credit policy
  • Experience analysing PAYG and self-employed income
  • Proficiency in CRM systems and Microsoft Office
  • Experience using Broker Engine (highly regarded)
  • Experience with Quickli and lender servicing calculators
  • Experience pulling and analysing credit files
  • Knowledge of lender servicing calculators and broker portals
  • Experience ordering valuations and managing settlements
  • Strong attention to detail and organisational skills
  • Excellent written and verbal English communication skills
  • Ability to work autonomously and drive files without micromanagement
  • Nice to Have:
  • Prior banking experience
  • Experience working with AFG
  • Strong lender policy and scenario knowledge
Applicant Tracking System Keywords

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

Hard Skills & Tools
credit analysisPAYG income analysisself-employed income analysisdocument collectionlender researchproduct recommendationsvaluation orderingsettlement managementcompliance with lender policiesfile management
Soft Skills
attention to detailorganizational skillswritten communicationverbal communicationautonomyproactive issue escalation