Credit Analyst, NZ Experience

🔥 12 hours ago

🇵🇭 Philippines – Remote

⏳ Contract/Temporary

🟡 Mid-level

🟠 Senior

🧐 Analyst

👻 Ghost score 12%

What it means: how likely this posting is sitting open without active hiring.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.

Apply Now

Find Similar Remote Jobs

Set Up Email Alert For New Jobs

📊 Check your resume score for this job

Improve your chances of getting an interview by checking your resume score before you apply.

Upload Resume

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 client applications and supporting documentation, including payslips, bank statements, loan statements, tax returns, and financial accounts • Analyze income, expenses, assets, liabilities, credit commitments, and deposit positions • Calculate borrowing capacity, assess affordability, and identify unusual transactions, undisclosed liabilities, or income inconsistencies • Document assumptions, calculations, credit risks, and outstanding requirements, escalating complex or higher-risk files • Complete lender serviceability calculators and model loan amounts, structures, terms, and repayment scenarios • Compare servicing outcomes across New Zealand lenders • Review proposed lending structures for compliance with lender policy and prepare scenario summaries • Recalculate serviceability when interest rates, lending requirements, or client circumstances change • Research and interpret New Zealand bank and non-bank lender policies • Maintain internal policy reference notes, matrices, and reference materials • Direct inquiries to lender representatives when authorized and communicate policy changes to the advisory team • Ensure applications and supporting documents are complete, current, accurate, and ready for submission • Draft application summaries and supporting credit notes • Assist with submitting applications via approved lender platforms and monitor progress • Manage outstanding conditions, valuations, pricing requests, and approvals • Support purchases, pre-approvals, refinancing, restructuring, top-ups, and refixes • Maintain complete and compliant digital records in MYCRM and NZFSG • Record detailed file notes on client, adviser, lender, and third-party interactions • Support suitability and compliance documentation under adviser direction while safeguarding client confidentiality • Flag missing approvals or compliance concerns and support internal file reviews or audits • Contact clients to request documents and clarify information without providing unauthorized financial advice • Liaise with lenders, bank assessors, valuers, conveyancers, and accountants • Improve credit assessment templates, calculators, and internal checklists

🎯 Requirements

• Demonstrated recent experience as a Credit Analyst, Mortgage Adviser Assistant, Loan Processor, or Parabroker within the New Zealand mortgage industry • Strong practical understanding of New Zealand residential lending, lender policies, and required application documentation • Hands-on experience using MYCRM and NZFSG is required • Proven capability to complete and interpret lender serviceability calculators, analyze complex income structures, and evaluate credit risks • Excellent written and spoken English • High numerical accuracy and strong problem-solving skills • Ability to explain complex requirements clearly • Reliable internet connection and quiet home-office setup • Availability to work during agreed New Zealand business hours • Relevant qualification in finance, banking, accounting, business, or financial services is advantageous, not required • New Zealand Certificate in Financial Services or equivalent is beneficial but not essential • Equivalent practical experience will be considered • Preferred: experience assessing complex applications for first-home buyers, existing homeowners, and property investors across bank and non-bank lenders • Preferred: experience evaluating self-employed borrowers and reviewing financial statements and tax returns • Preferred: knowledge of current New Zealand mortgage industry compliance expectations and standards • Preferred: experience collaborating directly with Mortgage Advisers or business principals • Preferred: track record of creating lender matrices, credit assessment templates, or internal processing workflow improvements • Strong self-management skills to run multiple files simultaneously • Up-to-date knowledge of evolving credit criteria