Credit Analyst / Credit Manager – Private Lending

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Pear Tree.

WebsiteLinkedInAll Job Openings

1 - 10 employees

🎯 Recruiter

👥 HR Tech

🤝 B2B

Recruitment • HR Tech • B2B

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

• Assess residential, commercial and business-purpose loan applications • Prepare and package detailed credit submissions • Review financial statements, tax returns, bank statements and supporting documents • Analyse servicing, security, exit strategies and overall transaction risk • Review valuations, company searches, trust structures and borrower background information • Liaise with brokers, borrowers, solicitors, valuers and other stakeholders • Assist with transaction management from application through to settlement • Work closely with our administration team to ensure efficient processing of applications • Support ongoing portfolio monitoring and reporting • Assist with developing and improving internal credit policies and procedures

🎯 Requirements

• Minimum 3 years' experience in Australian lending, credit assessment or loan processing • Strong understanding of Australian mortgage lending and credit principles • Experience analysing borrower financials and supporting documentation • Excellent written and verbal communication skills • Strong attention to detail and ability to manage multiple transactions • Ability to work independently in a fast-paced environment • Experience in commercial property lending • Experience in private lending, non-bank lending or specialist lending • Exposure to development finance or construction lending • Experience writing credit papers and preparing lending recommendations • Understanding of trust, company and SMSF structures

🏖️ Benefits

• Exposure to a wide range of residential, commercial and development transactions • Direct access to senior management and credit decision makers • Opportunity to build a long-term career in private lending • Diverse and interesting deal flow • Supportive and entrepreneurial team environment • Genuine opportunity for career progression as the business grows