Credit Analyst/Para-Broker – End-to-End Loan Processor

🔥 13 minutes ago

🇵🇭 Philippines – Remote

💵 ₱80k - ₱160k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧐 Analyst

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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

• Collect, check and file supporting documents in Google Drive using the company naming format • Verify and update Mercury Fact Find and client details in Mercury and BrokerEngine • Download and examine Equifax reports through Mercury and examine the MLE • Verify property estimates using RPData and order AVMs where equity is critical • Request missing, outstanding or extra assessment documents • Complete Quickli servicing, Funding Position and Preliminary Assessment in BrokerEngine • Identify information to confirm, client actions, policies to review and strategies to improve the client's position • Assess current and future ability to reach client goals and record capacity, limitations, options and recommended strategy • Research lender policies, identify hurdles, shortlist lenders and confirm policies • Run pricing requests and escalations, order valuations and update security details • Complete Product Comparison, Funding Position and Mudmap; select lenders based on policy, servicing and cost • Create Loan Strategy Proposal documents and save all materials to client files • Prepare broker notes, submission PDFs, Mercury/compliance documents and finalise files for lodgement • Prepare AOL and LoanApp, review and approve documents, and ensure submission accuracy • Obtain signatures, collect outstanding documents and submit applications to lenders • Review approval conditions, update funding positions, key dates and document portals, and update solicitors • Convert AIPs to formal approvals, order valuations and update funding positions • Handle construction loans, including cost analysis, insurance, warranties, contracts, council-approved plans and progress payments • Check loan agreements, send signing instructions and disbursement details, and record loan and offset details • Generate settlement advice, email clients, update records, archive files and prepare reviews • Keep clients updated using BrokerEngine email and SMS templates • Complete Preliminary Assessments and Loan Strategy Proposals and action MIRs within one business day • Clarify credit questions with the broker and maintain BrokerEngine checklists • Manage shared and individual inboxes, action items within one business day and chase outstanding client information • Build and maintain company process guides with the broker • Manage 5–7 client lodgements to settlements monthly and process an additional 5 Your Home Plans monthly • Free the broker for client conversations, marketing, lead generation, reviews and client workshops • Maintain business continuity when the broker is away • Explore productivity improvements as the team grows

🎯 Requirements

• 3 to 5+ years' experience as a credit analyst or para-broker in an Australian mortgage brokerage • Strong complex reasoning and problem-solving skills, able to spot client limitations and build solutions • Experience with complex loan structuring, and with PAYG and basic self-employed lending, including reading self-employed financials • Extensive experience with Quickli and lender calculators • Experience running pricing approvals and valuations, packaging files in Mercury and lodging in both AOL and LoanApp • Managing submissions through to approval and settlement, with a strong understanding of mortgage broking compliance (NCCP and best interests) • Strong organisation and self-management, and decisiveness • Clear written and verbal communication • Available for Queensland business hours • BrokerEngine experience (preferred, not essential), and 3+ years across Mercury and BrokerEngine • Complex self-employed lending and policy solutions, and structuring for residential property investors • Using competitor pricing to win better offers, and SMSF lending • Experience with valuation tools and construction loans • Self-motivated, takes pride in deliverables, and wants a long-term career • Takes ownership of decisions, works independently and doesn't depend on direction • Extremely accurate and organised, and thrives in systems and processes • Task-focused and fulfilled by completing work well • Strong problem-solver who sees the big picture of lending • Kind and empathetic with customers, and unfazed by customer stress • Confident in abilities, communicating well with the team and customers

🏖️ Benefits

• Work from home setup • Morning Shift Role • Independent Contractor Arrangement

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