Credit Analyst – Australian Mortgage

🕒 April 29

🇵🇭 Philippines – Remote

💵 ₱95k - ₱115k / month

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧐 Analyst

👻 Ghost score 44%

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

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

🎯 Requirements

• 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

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