Credit Analyst – Australian Mortgage Brokerage

🕒 September 25

🇵🇭 Philippines – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧐 Analyst

👻 Ghost score 27%

What it means: the chance that no one is really hiring for this job.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Pear Tree.

WebsiteLinkedInAll Job Openings

1 - 10 employees

💼 Consulting

📦 Logistics

📣 Marketing

Consulting • Logistics • Marketing

Pear Tree is a Melbourne‑born offshore recruitment and hiring services company that connects Australian, US, and UK businesses directly with skilled offshore professionals (primarily from the Philippines) without agency markups. They provide end-to-end hiring support — sourcing, screening, skills assessments, video interviews, reference checks — and offer payroll, Employer‑of‑Record, and compliance assistance plus a six‑month replacement guarantee. Pear Tree recruits across IT, sales & marketing, finance, creative, admin and operations roles, emphasizing cost savings, direct pay to talent, and secure onboarding workflows.

📋 Description

• Evaluate client income, liabilities, credit profiles, and borrowing capacity to assess deal feasibility and flag potential risks • Perform serviceability calculations across multiple major Australian banks and non-bank lenders • Match clients with appropriate lenders, government schemes, and LMI waiver options • Build complete, submission-ready loan application packs and execute lodgements via ApplyOnline or Simpology • Maintain a pipeline of 10–20 concurrent deals in MyCRM, including record-keeping, status tracking, and compliance notes • Track lender conditions, gather outstanding documentation, and progress applications through full approval and settlement • Draft professional credit narratives • Communicate with lenders, conveyancers, real estate agents, and clients to resolve queries and progress files • Work autonomously to accelerate deal velocity and maintain quality standards across the residential portfolio

🎯 Requirements

• 4–5 years of direct experience in Australian mortgage broking support, bank credit assessment, or lending operations • Proven hands-on experience using MyCRM (mandatory requirement) • Experience with lodgement platforms such as ApplyOnline or Simpology • Strong operational knowledge of APRA lending guidelines, Household Expenditure Measure (HEM) benchmarks, and Responsible Lending Obligations • Thorough understanding of First Home Owner Grants, LMI waivers, and Australian Government Home Guarantee Schemes • Excellent written English skills • Demonstrated ability to craft coherent credit notes • Ability to work independently in a remote environment • Prior exposure to commercial finance, equipment loans, or self-employed financial statement analysis is desired but not required • Experience managing deal automation workflows or custom dashboards within Australian broking software systems is desired but not required • Experience directly coaching or guiding first-time home buyers through the end-to-end loan application journey is desired but not required

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